Personal banking

Credit cards

Flexible borrowing for planned purchases and balance management, with strong card security, contactless payments, and digital wallet support.

Card features and benefits

Purchases

Spread the cost of larger purchases or manage everyday spending with clear monthly statements. Set spend alerts and category limits to stay in control of your budget.

Balance transfers

Consolidate existing card balances onto one statement with a structured repayment plan. Promotional rates and transfer fees are shown before you confirm any transfer.

Card security

Chip-and-PIN protection, instant card freeze, and transaction notifications help safeguard your account. We monitor activity around the clock for unusual patterns.

Contactless

Pay quickly in shops, cafés, and on transport with contactless tap-to-pay. For added peace of mind, you can disable contactless temporarily from your app.

Digital wallets

Add your card to Apple Pay, Google Pay, or Samsung Pay for secure payments from your phone or watch. Wallet provisioning is completed in a few guided steps.

Fraud protection

If your card is used fraudulently, we investigate promptly and aim to restore funds where our terms apply. Report unfamiliar transactions through the app or helpline without delay.

Responsible borrowing

Credit cards are a form of borrowing. You must make at least the minimum payment each month and should aim to repay more whenever possible to reduce interest charges. Missing payments may affect your credit rating and incur fees.

Representative APR varies by product and your personal circumstances. The rate and limit offered are confirmed in your credit agreement before you accept the card.

Check card availability

Create your profile to see products you may be eligible for and apply securely online.

Frequently asked questions

We perform a credit search when you apply, which is recorded on your credit file. Checking your eligibility indicator through our online tool uses a soft search that does not affect your score, though this is not a guarantee of acceptance.

A balance transfer lets you move outstanding debt from another credit card to your Lloyd Merchant Bank card, often at a promotional rate for a set period. A transfer fee may apply. Always repay at least the minimum payment each month to keep promotional terms.

Freeze your card immediately in the mobile app or Internet Banking. You can also call our 24-hour card helpline. We will block the card and arrange a replacement, typically delivered within three to five working days.

Yes. Your card follows UK contactless limits and may prompt for your PIN periodically for additional security. You can also adjust contactless settings within the app where supported.