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Lloyds Bank credit card review

Find out how Lloyds Bank has been rated for its application process, customer service, mobile app and more in our latest credit card customer satisfaction survey.

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

What credit cards does Lloyds offer? 

Lloyds Bank, one of the largest banks in the UK, offers a broad range of deals to suit different needs, including 0% balance transfer and 0% purchase credit cards, as well as cards that offer a consistent low rate for everyday spending. Credit is subject to status and terms apply.

How does Lloyds compare to other providers?

Lloyds Bank credit card customers gave the provider a score of 65% in our latest credit card satisfaction survey, placing it in the middle of our table on customer satisfaction. 

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Lloyds Bank review
Which? customer score
17th out of 25 credit card providers
The Which? rating for customer satisfaction is 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, query handling and complaint resolution.

LLoyds credit card customer satisfaction category Star rating
Customer service

3 out of 5

Application process

4 out of 5

Clarity of statement

4 out of 5

Transparency of charges and penalties

2 out of 5

Charges for using your card abroad

2 out of 5

Dealing with complaints and resolving problems

2 out of 5

Dealing with queries

2 out of 5

Ability to manage account online

5 out of 5

Ability to manage account by telephone banking

2 out of 5


Mobile app on a smartphone or tablet

5 out of 5


Star ratings out of five show levels of satisfaction for each category. Where no stars are given, we received too few responses in our survey to award a score.

How we calculate Lloyds Bank's customer score and ratings

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

Customer scores are based on an online survey of the public conducted in May 2022, which received 6,201 responses. Participants could provide answers on up to two credit cards. 

This year’s customer score analysis is based on a sample size of 4,694 credit card experiences in total, and represents overall satisfaction as well as the likelihood to recommend the provider to a friend.

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

We carry out these surveys annually and update our review pages accordingly. Providers must receive a minimum sample size of 50 respondents to be included in our customer satisfaction tables.


Lloyds Bank credit card FAQs


Does Lloyds offer an eligibility check?


Yes, Lloyds offers an eligibility checker called One Check to help you find out how likely you are to qualify for its range of cards before you apply.

It takes five minutes and you’ll be able to see the deals you qualify for without harming your credit rating.


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.



How long will it take for my credit card to arrive?


Your credit card and PIN will arrive separately for security reasons. Your PIN will usually arrive in 3-5 working days. Your new credit card will usually arrive in 5-7 working days.

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