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Lloyds credit card review

Find out how Lloyds Bank has been rated for its overseas fees, customer service, mobile app and more in our latest customer satisfaction survey.

In this article
What do Lloyds credit cards offer?  How does Lloyds compare to other providers? Is Lloyds a good credit card provider?
Which Lloyds credit card is best? How we calculate Lloyds' customer score and ratings Lloyds credit card FAQs

What do Lloyds credit cards offer? 

Lloyds Bank offers a broad range of offers to suit borrowers, including 0% balance transfer, low rate and 0% purchase credit cards.

These all comfortably sit within the top ten deals in the market.

How does Lloyds compare to other providers?

Lloyds customers gave it a score of 70% - slightly below average - in our latest credit card satisfaction survey leaving the brand in the middle of our table.

Credit Cards
Lloyds Bank review
Which? Customer Score
=16th out of 29 credit card providers
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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Is Lloyds a good credit card provider?

Our survey also reveals how Lloyds customers rated the provider across 10 categories. 

Find out in the table below how Lloyds scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service and query handling using the table below.

Lloyds Bank credit card satisfaction


Star rating
Customer service

3 out of 5

Application process

3 out of 5

Clarity of statement

4 out of 5

Transparency of charges and penalties

3 out of 5

Dealing with queries 3 out of 5
Dealing with complaints 4 out of 5
Ability to manage online 4 out of 5
Ability to manage by mobile app 4 out of 5
Ability to manage by telephone banking 3 out of 5
Charges for using your credit card abroad

2 out of 5

Which Lloyds credit card is best?

You can explore the best Lloyds credit card deals using Which? Money Compare.

How we calculate Lloyds' customer score and ratings

We pick credit cards to feature in Which? brand reviews based on the most popular brands searched for online.

Customer scores are based on an online survey of the public, which received 5,621 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.

Star ratings for each category are scored independently of the customer score.

These surveys are carried out annually and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.


Lloyds credit card FAQs


Does Lloyds offer an eligibility check?


Lloyds doesn't currently offer an eligibility check to help you find out how likely you are to qualify for its range of cards.

To make sure you have the best chance of securing a deal, check your credit report and take steps to improve your credit score.


Where are Lloyds credit cards accepted?


Lloyds issues its credit cards on the Mastercard network, so you will be able to use the card in millions of places in the UK and abroad.


Can you have two Lloyds credit cards?


You can only have a maximum of two credit cards with Lloyds Bank and a maximum of five with Lloyds Banking Group (which includes Bank of Scotland and Halifax). 

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms & conditions of a provider before committing to any financial products.