Lloyds Bank World Elite Mastercard®

Whether you’re at home or away, access a world of benefits.

Check if you can apply

Credit is available subject to status.

Access rewards and benefits wherever you are

Lloyds Bank World Elite Mastercard® offers cashback on everyday purchases, whether you’re at home or away, and a world of travel benefits.

  • 0.5% cashback on purchases totalling up to and including £15,000 in each anniversary year from account opening.
  • 1% cashback on purchases totalling over £15,000 in each anniversary year from account opening.
  • No foreign exchange fees for the first 60 months from account opening.
  • Travel benefits including Priority Pass and Airport Security Fast Track.

£15 monthly account fee.

A world of travel benefits

Priority Pass

Gain access to more than 1,300 airport lounges around the world.

Priority Pass

Airport Security Fast Track

Skip the queues and upgrade your experience through airport security at participating airports, provided by DragonPass.

Airport Security Fast Track

Priceless experiences

Access Mastercard’s exclusive PricelessTM experiences and offers.

Priceless experiences

Share the journey

Add another cardholder to share your travel benefits at no extra cost. You’ll also earn cashback when they make card purchases.

Representative example

Based on example borrowing of £1,200 with an account fee of £15 per month and an interest rate on purchases of 22.94% p.a. variable, you'll pay 55.0% APR representative variable.

Credit limits may vary, 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 won't.

As our standard interest rates are variable it means we can also change them for other reasons in the future if we need to.

Important to know

  • Cashback will be paid to your credit card account monthly – the day after your statement date.
  • Cashback won’t count as a repayment. You must make at least the minimum payment by the date shown on your monthly statement each month.
  • If you only repay the minimum, it will cost more in interest and take longer to clear your balance.
  • You’ll only earn cashback on card purchases made by you or your additional card holder. No other account transactions will qualify.
  • To earn cashback and access benefits, you must follow the terms and conditions of your account.
  • After your promotional period, foreign exchange fees will be charged at 2.95%.
  • You will still be charged cash withdrawal fees and interest will be charged from the day you take it out.
  • To check your cashback balance and access all World Elite Mastercard® benefits, register for online banking and download our mobile app.

Important travel benefit information

Third-party providers and the benefits they provide may change over time. To provide you with these benefits, Lloyds Banking Group will share information with Mastercard and other benefits providers.

Our standard credit card features

Handy for travel
  • Use the card freeze option in our app to control when and where your card can be used.
  • Mastercard credit cards are accepted in most countries worldwide.
 
Other standard features
  • Manage most things online: check your balance, review transactions, view paper-free statements, make payments, request transfers and more.
  • Fraud protection: you won’t be charged for transactions you didn’t authorise. But you must let us know if you notice unusual account activity, or if you lose your card.
  • Ways to pay: make repayments by bank transfer, debit card or direct debit. Pay more than the minimum at any time to reduce your borrowing costs.
  • Contactless cards: pay quickly and securely anywhere you see the contactless symbol.
  • Mobile payments: add your credit card to a mobile device to make secure payments online, and on the go.
  • UK call centres: we’re just a phone call away – here for emergencies. 

Can I apply for a credit card?

Application basics

To qualify, you need to:

  • be a UK resident
  • be aged 18 or over
  • have a regular income.
     

You should know

You won’t qualify if you:

  • are unemployed or a student
  • have bankruptcies on your credit file
  • have County Court Judgements (CCJs)
  • have Individual Voluntary Agreements (IVAs)
  • have been declined for a Lloyds credit card within the last 30 days.

Before you go ahead, ask yourself:

  • Does a credit card suit my needs, or should I consider other borrowing options?
  • Will I be able to make repayments, even if my circumstances change?

In addition to fees and charges, you could lose any promotional rates if you don’t meet the terms of your account. For example, if you don’t make at least the minimum payment on time each month. If a promotional rate is withdrawn, or simply expires, the standard account interest rates, fees and charges will apply.
 

 

Check if you can apply

Answer a few simple questions to find out if you’re eligible to apply for a Lloyds Bank World Elite Mastercard® and to see your estimated credit limit.

Our eligibility check won’t affect your credit score and there’s no obligation to apply.

Check now

Make sure you've read

  • Draft credit card account terms and conditions (PDF, 382KB)

    We'll send you a full set of terms and conditions specific to you once you’ve been accepted for the credit card.

  • Responsible lending

    Lloyds is a responsible lender. 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.

    You can talk to a member of our team about the choices you've made. 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. But, you and additional cardholders must take all reasonable measures to protect your account.

    You should never tell anyone your PIN. You can give suppliers your card details and won’t be liable if they misuse them. But, if you’ve given someone else your card details, you’re liable for all transactions unless you’ve told us they’re not authorised.

Boost your credit card knowledge

Understanding credit

How to apply for a credit card

How to pay for a holiday

Credit card fees and charges

Withdrawing cash and cash transactions

Managing your credit card

Using a credit card abroad

Swap your existing credit card

Applying for a second credit card

Tips for managing your credit card

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