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Cashback credit cards
Earn cashback on purchases with a cashback credit card.
- Cashback is normally earned as a percentage of every pound spent on eligible purchases.
- You could earn cashback on everyday and larger, one-off purchases.
- The total cashback amount is usually credited to your credit card account to reduce the balance.
Credit is available subject to status, to UK residents aged 18 and over.
Representative 22.9% APR variable.
Credit limits and interest rates may vary and are subject to an assessment of your personal circumstances.
Your standard interest rates will be linked to the Bank of England Base Rate. This means they will change automatically in line with changes to the Base Rate, but any promotional rates and offers you have will not. For more details visit our Base Rate information. As our standard interest rates are variable it means we can also change them for other reasons in the future if we need to.
What do I need to know about the Lloyds Bank Cashback Credit Card
- Cashback is applied to your account every January.
- All cashback earned will show on your monthly statement.
- You’ll earn cashback on card purchases made by you or an additional card holder. You won’t earn it on anything else.
- Cashback won’t be treated as a payment. You must make at least your minimum monthly payment on time each month.
- Paying only the minimum monthly payment will take longer to repay and cost you more in interest.
- To continue to earn cashback, you must make your minimum payment on time each month and stay within your credit limit.
- A cashback card may not be suitable if you do not pay your balance off in full each month.
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Responsible lending
Lloyds Bank is a responsible lender, and we only want you to borrow what you can afford, in a way that’s best for you. The outcome of your credit card application depends on our assessment of your circumstances.
If you’d like to talk to us about the choices you’ve made, we’ll refer you to a member of staff to help you. They’ll also be able to talk to you about your options if you’re experiencing financial difficulties.
A note on fraud
You won't have to pay us for any unauthorised postal, telephone or internet transactions made by someone other than you or an additional cardholder. However, you and additional cardholders must take all reasonable measures to protect your account. You should never disclose your PIN to anyone. You can give suppliers your card details and won’t be liable if they misuse them. However, if you’ve given someone else your card details, you’re liable for all transactions unless you’ve told us they’re not authorised.
Draft credit card account terms and conditions (PDF, 990KB)
A full set of terms and conditions specific to you will be issued once you’ve been accepted for the credit card.
You can apply for a Lloyds Bank credit card if:
- You’re a UK resident, aged 18 or over, with a regular annual income.
- You don’t have any County Court Judgements (CCJs), Individual Voluntary Agreements (IVAs) or bankruptcies on your credit file.
- You’re not unemployed or a student.
- You’ve not been declined for a Lloyds Bank credit card within the last 30 days.
Understanding credit
Your credit score can affect what credit cards and rates you’re offered. Learn more about how credit works and how it might impact applying for a card.