Guide to Lloyds Bank credit cards
As one of the UK’s biggest banks, Lloyds Bank offers a full range of financial services and products, including a variety of credit cards.
These include balance transfer credit cards, student card, cards for purchases and reward cards.
Rewards include Avios points (formerly Airmiles) as well as vouchers, gift cards, cashback and magazine subscriptions.
If you are specifically looking for a balance transfer card, always remember to factor in balance transfer fees, and check for annual charges too. If you are looking for a card that has an interest free period then it’s vital that you pay off the balance in full before this period ends otherwise you will be hit with interest payments,
You must be aged 18 and a UK resident to apply for any Lloyds Bank credit card.
Lloyds Bank credit cards are fully regulated by the city regulator the Financial Conduct Authority (FCA).
Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.
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