Lloyds Bank Club Lloyds Credit Card
Lloyds Bank · Cashback · Statement Credit
This comprehensive guide covers the Lloyds Bank Club Lloyds Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Lloyds Bank Club Lloyds Credit Card from Lloyds Bank offers cashback rewards credited directly to your statement at 3% (up to £8 per cycle). Top earning categories include 3% cash back at selected retailers (including tesco, sainsbury's, argos, amazon) and more. This card has no annual fee.
Best for: Grocery, Online Retail, General Online, Dining
Reward Examples
Spend £1,000 on Grocery → earn £30 (3%) · 3% cash back at selected retailers (incl
Spend £1,000 on General online → earn £5 (1%) · 0.5% cash back on all other spending
Official product page → Official rules →
Waiver: No annual fee
Reward Rules
- 3% 3% cash back at selected retailers (including Tesco, Sainsbury's, Argos, Amazon) (cap: £8)
- 1% 0.5% cash back on all other spending
Important Notes
- Monthly cashback capped at £8 per month on selected retailers.
- Requires Club Lloyds current account for maximum benefits.
- Additional cashback available at John Lewis, Waitrose and other partners during promotional periods.
- No annual fee.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Lloyds Bank Club Lloyds Credit Card vs Similar Cards
- American Express Platinum Cashback Everyday — 5% top rate · £0
- American Express Platinum Cashback — 5% top rate · £25
- Aqua Advance — 1% top rate · £0
Maximize Your Rewards
To earn the highest rewards, use the Lloyds Bank Club Lloyds Credit Card for its bonus categories: Grocery, Online Retail, General Online, Dining, Fuel.