How to Get a Lloyds Bank Low Rate Credit Card

Are you looking for a basic credit card with low rates and no annual fees that will help cover an upcoming expense? Well look no further as the Lloyds Bank Low Rate Credit Card has got you covered.

This credit card comes with a range of features and perks that anyone would want in a credit card. Read on to find out more about the benefits of the Lloyds Bank Low Rate Credit Card and how you can apply today.

Features and Benefits of a Lloyds Bank Low Rate Credit Card

This platinum low rate credit card comes with a low representative APR of just 6.4% for most successful applicants, based on a limit of £1,200. This does depend on your individual circumstances, however.

Apart from the low interest rate, this credit card comes with 0 balance transfer fees for the first 90 days of your account being open. You can also enjoy 0 annual fees.

If you travel a lot or prefer to use your credit card over cash, you can rest assured that this credit card is accepted in over 43 million locations worldwide, wherever you see the Mastercard® sign.

Finally, for your convenience, you can manage your credit card 100% online through the Lloyds Bank mobile internet banking app.

Lloyds Bank Low Fee Credit Card

Eligibility and How to Apply for a Lloyds Bank Low Rate Credit Card

If you are eligible, applying for this Lloyds Bank credit card is fairly straightforward. You must be at least 18 years old, a UK citizen with a regular income and you must be free from any county court judgements or bankruptcy. Also note that this card can only be applied for online via the Lloyds Bank website.

Fees and Charges of a Lloyds Bank Low Rate Credit Card

It is always advisable to pay your monthly repayments on time so that you don’t lose out on promotional offers or damage your credit score.

  • 0% introductory APR on balance transfers (for the first ninety days)
  • $0 annual fee
  • 6.4% APR to 14.9% APR variable, based on your circumstances
  • £3 or 3% cash advance fee, whichever is higher
  • 3% balance transfer fee
  • £2.95 foreign transaction fee
  • £12 over limit charge

For more information on costs and other factors to consider, visit the Lloyds bank website.


If you have been searching for a basic low rate credit that will help you spread out the cost of an upcoming expense, get a hold of the Lloyds Bank Low Rate Credit Card. Visit the Lloyds Bank website and apply today to begin enjoying the features and benefits of this credit card.