- Aged 18 or over
- UK resident (with a UK registered address)
- Earn at least £15,000 per annum
Please ensure you meet the above criteria before applying, or it could adversely affect your credit rating.
| Representative Example: 13.95% p.a. variable on purchases. This is equivalent to 21.9% APR representative variable based on a credit limit of £1,200 and including a £50 annual fee. Lloyds TSB Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. |
 Purchases: |
 Balance transfers: |
 Rewards: |
 Cardholder services: |
|---|---|---|---|
| 13.95% p.a. variable | 0% for 6 months 13.95% p.a. variable thereafter 3% transfer fee Must be transferred within 90 days |
1.25 Avios for almost every £1 spent Double Avios Abroad Additional Avios on the high street Avios on balance transfers Worldwide companion ticket 30,000 Avios voucher |
Online Account Management Fraud Guarantee Active Fraud Monitoring MasterCard SecureCode |
Please ensure you read the full terms and conditions and the summary box on the provider's website before applying for any product.
Please see below for more important information relating to the content of this page.
| Detail | |
|---|---|
| Only apply if you are: | - Aged 18 or over - UK resident (with a UK registered address) - Earn at least £15,000 per annum |
| Detail | Additional | |
|---|---|---|
| Representative APR (variable) | 21.9% APR | Including a £50 annual fee. Based on a £1,200 credit limit. |
| Introductory Purchases | - | Not offered |
| Introductory Balance Transfers | 0% for 6 months | Must be transferred within 90 days of account opening to qualify. |
| Standard Purchases | 13.95% p.a. variable | - |
| Standard Balance Transfers | 13.95% p.a. variable | - |
| Standard Cash Advances | 27.95% p.a. variable | - |
| Detail | Additional | |
|---|---|---|
| Balance Transfer fee | 3% | - |
| Cash Advance fee | 3% (£3 min) | - |
| Foreign fee | 2.95% | This fee is charged for transactions made in non-sterling currency. |
| Annual fee | £50 | This will be waived if you hold a Lloyds TSB Premier Current Account. |
| Default charges | £12 | This charge is made for late payments, returned payments and exceeding the credit limit. |
| Detail | Additional | |
|---|---|---|
| Credit limit | £500 min | Credit limit is subject to status. The cash limit is 50% of the actual credit limit. |
| Interest free period | Up to 56 days | Maximum for purchases if you pay the full balance shown on your previous and current statement on time. |
| Minimum monthly payment | 1% (£5 min) | You must make a minimum payment by the payment date every month of an amount equal to the total of interest, any charges payable under condition 7.1, 7.2 or 7.3, 1/12th of your annual fee and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5). |
| Allocation of payments | Lloyds TSB use any payments you make to pay off Transactions that appear on your statement starting with those on which they charge the highest rate of interest, and so on down to the lowest rate of interest. If the payment is not enough to pay off all Transactions at a particular interest rate, they will pay off Transactions charged at the interest rate in the following order:- Cash Withdrawals, Purchases, Balance Transfers and Cheques, followed by the charges in conditions 7.1, 7.2 and 7.3. If you pay more than the amount due shown on your statement, they will use any remaining payment to pay off Transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, "Transaction" includes the amount of the Purchase, Cash Withdrawal, Cheque or Balance Transfer plus any interest, charges or insurance payment charged as a result of that Transaction. For example, a Cash Withdrawal charge is included as part of a Cash Withdrawal. | |
| Detail | |
|---|---|
| 1.25 Avios for almost every £1 spent | - Earn 1.25 Avios for every £1 spent on the Lloyds TSB Premier American Express card - Earn 1.25 Avios for every £5 spent on the Lloyds TSB Premier MasterCard card |
| Double Avios Abroad | Earn double airmiles on purchases made abroad. |
| Additional Avios on the high street | Earn additional Avios miles when you shop at over 100 high street and online partners. Avios partners include: - Tesco Clubcard - Shell - Avis car hire - Comet - Currys - Apple store - JohnLewis.com - ToysRUs and many more. |
| Avios on balance transfers | Get 1,500 Avios for every whole £1,000 transferred from a single provider. Balance transfer terms and conditions apply - such as a transfer fee. |
| Worldwide companion ticket | Get a worldwide companion ticket each year when you spend at least £15,000 in the year. Terms and conditions apply. |
| 30,000 Avios voucher | Get a 30,000 Avios voucher for spending £500 a month for the first 3 months of card membership (£1,500 total). Note that voucher must be used for at least one nights accommodation. |
| Offered | Additional | |
|---|---|---|
| Online account management |  |
- |
| Fraud Guarantee | |
The Internet shopping promise means that you’ll be covered against fraud. |
| Fraud Monitoring | |
Lloyds TSB will monitor the account and get in touch if they notice anything suspicious. |
| Identity Protection |  |
- |
| Credit Report Access | |
- |
| 3D Secure | |
MasterCard SecureCode An extra layer of security when shopping online. Register and set up a password-protected identity-check when you shop online with participating online retailers. (Only applies to the MasterCard). |
| Contactless Payments | |
- |
| Purchase Protection Insurance | |
- |
| Purchase Delivery Insurance | |
- |
| Travel Insurance | |
- |
| Travel Accident Insurance | |
- |
| Travel Inconvenience Insurance | |
- |
| Assistance Abroad | |
- |
| Emergency Card Replacement | |
- |
Please read the following notice:
This page is part of an advertisement of this product.
The information on this page is intended to provide general information only and does not attempt to give advice that relates to your specific circumstances. If you are unsure as to the suitability of any financial product, you should discuss this with an independent financial advisor.
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