Lloyds Bank Low Rate

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Credit Needed
Good Credit
  • Representative 5.7% APR (variable) on purchases & balances transferred
  • No balance transfer fee applies on balances transferred within the first 90 days of opening the account, a 3% fee applies thereafter
  • Worldwide use - accepted in over 36 million Mastercard locations worldwide
  • Quicker payments with contactless technology
  • Apple Pay enabled payments
  • *Credit limits and interest rates will vary based on your individual circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income, be free from CCJs, bankruptcy, and not be subject to an IVA
  • Representative 5.7% APR (variable) on purchases & balances transferred
  • No balance transfer fee applies on balances transferred within the first 90 days of opening the account, a 3% fee applies thereafter
  • Worldwide use - accepted in over 36 million Mastercard locations worldwide
  • Quicker payments with contactless technology
  • Apple Pay enabled payments
  • Must be a UK resident, aged 18 years or over
  • *Credit limits and interest rates will vary based on your individual circumstances
  • You must be a UK resident, aged 18 years or over, have a regular income, be free from CCJs, bankruptcy, and not be subject to an IVA
  • Representative APR (variable)
    5.7%
    APR
    Balance Transfer APR
    0% for 3 months
    Balance Transfer Fee
    0.00%
    Annual Fee
    £0
    Credit Needed
    Good Credit

Representative Example: Representative 5.7% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 5.75% p.a. (variable)


Lloyds Bank Low Rate

Lloyds Low Rate card offers a low rate of 5.7% and 0% on balance transfers for 3 months with no fee.

Key features of this card

  • Representative 5.7% APR (variable)*
  • 0% on balance transfers for 3 months on balances transferred within the first 90 days with no fee (3% fee thereafter)
  • Online fraud protection when purchasing on the Internet
  • Card replacement service
  • No interest will be charged on purchases if every statement balance is paid in full by the payment date
  • No annual fee
  • Online account management
  • Worldwide use - Mastercard is accepted in over 36 million Mastercard locations worldwide

Acceptance criteria in addition to credit check

  • Aged 18 Years or over
  • UK resident
  • Must have a regular income
  • Must be free from bankruptcy, CCJs, and must not be subject to an IVA


*The representative rate of 5.7% APR (variable) is what most customers, at least 51%, will receive when they apply for the Low Rate Credit Card.