Lloyds TSB credit cards

Lloyds TSB, is part of Lloyds Banking Group, one of the country’s largest banks. Millions of people have at least one banking product with Lloyds, be it a current account, mortgage, savings account, loan or credit card.

Lloyds TSB Duo Avios Credit Card Account

Collect 1 Avios for almost every £1 spent on the Lloyds TSB Duo Avios American Express® Card
Collect 1 Avios for almost every £5 spent on the Lloyds TSB Duo Avios MasterCard ®

Representative Example: If you spend £1,200 at a purchase interest rate of 15.94% (variable) your Representative APR will be 15.9% (variable).

Compare every Lloyds TSB credit card

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Cards listed by duration of 0% balance transfer offer

	Product Name	Balance Transfer	Purchases	Rewards	Representative APR (Variable)	Product Reviews
www.lloydstsb.com	Lloyds TSB Platinum MasterCard	0% 15 months 3% fee	0% 3 months	No rewards	17.9% APR	Read review
	Choice of ways to manage your account Internet fraud protection Overseas emergency assistance No transfers from other Lloyds TSB cards 0% interest on balance transfers for 15 months and 0% on purchases for 3 months. To qualify for this card you must be aged 18 or over and have no County Court Judgments. You can manage the account online, by phone, or at your local Lloyds TSB branch. In order to transfer a balance at the introductory rate this must be undertaken within the first 90 days of account opening. The variable interest rate charged on balance transfers after the introductory period will be 17.95% pa. 0% interest on balance transfers for 15 months and 0% on purchases for 3 months, the balance transfer is subject to a 3% transfer fee. To qualify for this card you must be aged 18 or over and have no County Court Judgments. You can manage the account online, by phone, or at your local Lloyds TSB branch. In order to transfer a balance at the introductory rate this must be undertaken within the first 90 days of account opening. The annual percentage rate (APR) charged on purchases after the introductory period will be 17.95%. There are no rewards with this card. Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. You must make a minimum payment by the payment date every month of an amount equal to the total of interest, any charges payable under condition 7.1, 7.2 or 7.3 (refer to provider for full details) and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5). In addition to your minimum payment, you can repay all or part of what you owe at any time. This card is suitable for those looking to transfer debts from another card, as it charges no interest on balance transfers for the first 15 months. After that, the representative annual percentage rate (APR) is 17.9%. Bear in mind, however, that balance transfers are subject to a 3% handling fee. The card also offers a 0% introductory period on purchases for the first three months. You should avoid using the card to make cash withdrawals, as interest on these is charged at a steep 27.95%. To qualify for this card you must be aged 18 or over and have no County Court Judgements. You can manage the account online, by phone, or at your local Lloyds TSB branch.
	Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
www.lloydstsb.com	Lloyds TSB Duo Avios Credit Card	0% 6 months 3% fee	15.94% -	Travel	15.9% APR	Read review
	Collect Avios on almost all purchases Double Avios on spending abroad No transfers from other Lloyds TSB cards In order to transfer a balance at the introductory rate this must be undertaken within the first 90 days of account opening. The interest rate charged on balance transfers after the introductory period will be 15.94% APR. There is no introductory purchases offer on this product and any purchases will incur 15.94% interest rate. Collect 1 Avios for almost every £1 spent on the Lloyds TSB Duo Avios American Express Card and 1 Avios for every £5 spent on the Lloyds TSB Duo Avios MasterCard. You will collect double Avios on your spend abroad. You will receive 1,500 extra Avios for every whole £1,000 you transfer to the card from a single provider. Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. You must make a minimum payment by the payment date every month of an amount equal to the total of interest, any charges payable under condition 7.1, 7.2 or 7.3 (refer to provider for full details) and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5). In addition to your minimum payment, you can repay all or part of what you owe at any time. The Lloyds TSB Duo Avios Credit Card enables its cardholders to collect Avios every time they spend. When you apply for the Duo credit card you get two credit cards, a MasterCard which gives one Avios for every £5 spent, and a second American Express card which gives one Avios for almost every £1 spent. You get two cards so that on the occasions where your Amex card is not accepted you can use your MasterCard to continue to collect miles. There is a 0% period on balance transfers for 6 months so it is worth doing if you can pay the balance off within this period. Also ensure that you pay any spending off each month as purchases will incur an interest rate of 15.94%.
	Representative Example: If you spend £1,200 at a purchase interest rate of 15.94% (variable) your Representative APR will be 15.9% (variable).
www.lloydstsb.com	Lloyds TSB Premier Duo Avios Credit Card	0% 6 months 3% fee	13.95% -	Travel	21.9% APR	Read review
	Collect Avios on almost all purchases Double Avios on spending abroad 50% annual fee refund in 1st year There is a £50 annual fee No transfers from other Lloyds TSB cards In order to transfer a balance at the introductory rate this must be undertaken within the first 90 days of account opening. The interest rate charged on balance transfers after the introductory period will be 13.95% APR. There is no introductory purchases offer on this product and any purchases will incur 13.95% interest rate. Collect 1.25 Avios for almost every £1 spent on the Premier Duo Avios American Express Card and 1.25 Avios for almost every £5 spent on the Premier Duo Avios MasterCard. You will collect double Avios on your spend abroad. You will receive 1,500 extra Avios for every whole £1,000 you transfer to the card from a single provider. The £50 annual fee is waived if you hold a Lloyds TSB Premier current account. Currently Lloyds TSB are offering a refund of half the annual fee for the first year. You must make a minimum payment by the payment date every month of an amount equal to the total of interest, any charges payable under condition 7.1, 7.2 or 7.3 (refer to provider for full details), 1/12th of your annual fee and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5). In addition to your minimum payment, you can repay all or part of what you owe at any time. The Lloyds TSB Premier Duo Avios Credit Card enables its cardholders to collect Avios every time they spend. When you apply for the Premier Duo credit card you get two credit cards, a MasterCard which gives 1.25 Avios for almost every £5 spent, and a second American Express card which gives 1.25 Avios for almost every £1 spent. There is an annual fee of £50 for this card but if you hold a LTSB Premier current account you will not be charged this fee. Currently Lloyds TSB are offering a refund of half the annual fee for the first year. You get two cards so that on the occasions where your Amex card is not accepted you can use your MasterCard to continue to collect miles. There is a 0% period on balance transfers for 6 months so it is worth doing if you can pay the balance off within this period. Also ensure that you pay any spending off each month as purchases will incur an interest rate of 13.95%. If you do not want to pay the £50 annual fee and you don't have a Lloyds TSB Premier current account then you could apply for the LTSB Duo Avios card which gives you slightly less Avios for your spend but charges no fee.
	Representative Example: If you spend £1,200 at a purchase interest rate of 13.95% (variable) with a £50 annual Fee your Representative APR will be 21.9% (variable).
www.lloydstsb.com	Lloyds TSB Advance	4.9% 12 months 3% fee	0% 6 months	No rewards	11.9% APR	Read review
	0% on purchases for 6 months 4.9% on balance transfers for 12 months Overseas emergency assistance No transfers from other Lloyds TSB cards In order to transfer a balance at the introductory rate this must be undertaken within the first 90 days of account opening. The interest charged on balance transfers after the introductory period will be 11.95% APR. The interest rate charged on purchases after the introductory period will be 11.95% APR. There are no rewards with this card. You must make a minimum payment by the payment date every month of an amount equal to the total of interest, any charges payable under condition 7.1, 7.2 or 7.3 (refer to provider for full details) and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5). In addition to your minimum payment, you can repay all or part of what you owe at any time. The Lloyds TSB Advance card charges no interest on purchases for the first six months, and after that charges a low 11.95% variable APR. There are cards offering interest-free introductory periods for purchases of over a year elsewhere, so you may be better off with one of these, although when the interest-free period ends the 11.95% APR is lower than many APRs available elsewhere. The card also offers 4.9% interest on balance transfers for 12 months provided they are made within the first 90 days after opening your account, but you have to pay a 3% handling fee when you move your debts over. It is probably best just to use the card for purchases, as there are other deals offering much more competitive rates on balance transfers. The card has no annual fee.
	Representative Example: If you spend £1,200 at a purchase interest rate of 11.95% (variable) your Representative APR will be 11.9% (variable).

Lloyds TSB credit card guide
Glossary of terms

Lloyds TSB credit card guide

What is Lloyds TSB?

Lloyds TSB is a UK retail bank established in 1995 by the merger of Lloyds Bank and the TSB Group. Together with Halifax, Bank of Scotland and Cheltenham & Gloucester, Lloyds TSB forms the Lloyds Banking Group.

The bank’s origins date back to 1765 in Birmingham when John Taylor and Sampson Lloyd set up a private banking business. Two sons of the bank’s original partners started their own bank in London years later, which was eventually absorbed into the Lloyd’s Banking Company.

By 1923, Lloyd’s Bank had made fifty take-overs and over the decades expanded into Europe and South America. By the early 1990s, Lloyd’s Bank had offices in 30 countries around the world.

TSB began life in Dumfriesshire in 1810 and was formally established as The Trustee Savings Bank Association in 1887. TSB merged with Lloyds (by now it had ditched the apostrophe) to become Lloyds TSB plc in 1995 and is today one of the best-known names in retail banking.

What credit cards does Lloyds TSB offer?

Lloyds TSB offers a range of credit cards to suit all pockets and needs. If you’re looking to shift existing credit card balances on to a new card with a lower rate, Lloyds TSB offers balance transfer cards with great introductory rates.

If you want to use a credit card for spending, Lloyds TSB has credit cards with low rates on purchases, which is great if you want pay for a big-ticket item and spread the cost over a more manageable period.

If you’re a frequent flyer, you could earn Avios points (formerly Airmiles) on your purchases to redeem against flights in the future.

Whatever card you’re interested in, Lloyds TSB will let you manage your credit card account easily and securely online. The service allows you to pay your credit card bill, make balance transfers and view your transaction history.

Is a credit card right for me?

Credit cards are certainly not appropriate for everyone, but used correctly they card be a convenient way to pay for something you can’t or don’t want to pay for up-front.

You may find that you don’t actually qualify for one of Lloyds TSB’s credit cards because of your personal circumstances. Credit cards have qualifying criteria to make sure that only those who are suitable are accepted for the card.

Generally speaking, you need to be aged 18 or over and be a UK resident to apply for a card. Some cards have qualifying criteria based on your earnings and all credit card applicants have their credit scores assessed.

Those with the best credit scores are most likely to get the most competitive cards and rates, whereas people with poorer credit scores may find themselves rejected for these cards, or offered a higher rate than the one advertised.

Credit cards can be useful for spreading the cost of larger purchases like holidays or home furnishings over a longer period. Many cards offer introductory 0% interest free periods, so as long as you meet the minimum payments by the agreed date each month you don’t have to pay anything more than the face value of the purchase.

Credit cards also protect you against purchases which end up being faulty, fraudulent or simply don’t materialise. Section 75 of the 1974 Consumer Credit Act and the 2011 Consumer Credit Directive protect you on purchases of between £100 and £60,260.

Why use MoneySupermarket?

Before applying for a credit card you should always think carefully about your ability to pay back what you borrow and whether your previous credit history is likely to get you rejected for the card. Our Smart Search tool gives you an indication of how likely it is you’ll be accepted for a range of cards with a score out of 10.

This ‘soft search’ doesn’t leave a footprint on your credit file and means you won’t risk damaging your credit score by getting rejected for a credit card.

MoneySupermarket’s credit card comparison service is free to use, independent and includes more than 300 cards – including Lloyds TSB cards – so you can be sure to get the best deal to suit you.s one of the country’s largest mortgage and savings providers but Halifax also offers a range of credit cards.

Glossary of terms

APR

This stands for Annual Percentage Rate. Any firm that lends money is required by law to quote the APR. Introductory rates do not include arrangement fees you may be charged and also don’t reflect any higher rate of interest that your borrowings will ultimately revert to. The APR takes into account the interest on a loan plus and additional charges making it easier for you to compare products. In general, the lower the APR the better the deal.

Balance Transfer

Balance transfer rates are applied to existing card debt that is being moved from one issuer to another or a consolidation of other debts. These rates tend to be lower than standard rates and apply to the debt transferred or consolidated for a specified term or until it is repaid in full.

Credit Card

Credit cards are a form of borrowing used to purchase goods and services, to obtain cash advances and for consolidating debt.

Direct Debit

This allows an organisation to take money directly from a persons bank account

Minimum payment

The amount you must pay each month to keep your account in order

Interest-free period

The time between when you buy something on the card and the date when you must pay your monthly bill. This can be 50 days or more and is interest-free. So if you settle your bill in full every month, it's free borrowing.

Promotional Rate

A rate that is applied to your account until a given expiry date. Thereafter it will revert to the rate applicable to your account at that time.

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Lloyds TSB credit cards

Lloyds TSB Duo Avios Credit Card Account

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Lloyds TSB credit card guide

What is Lloyds TSB?

What credit cards does Lloyds TSB offer?

Is a credit card right for me?

Why use MoneySupermarket?

Glossary of terms

APR

Balance Transfer

Credit Card

Direct Debit

Minimum payment

Interest-free period

Promotional Rate

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