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Lloyds Create Card

Lloyds Create Card has a very much stretchable features, which allow card holders to choose among combination of lowest rate, more cash back and 0% balance transfer to suit their needs. The card adapts a very unique way called 'ratebuster' to keep the repayments down by paying an annual ratebuster fees (£10) in return of having a low interest rate down to 9.8% APR. Card holders can adjust the interest rate and cash back rate anytime according to their needs. With its good name and service, Lloyds TSB Bank's Lloyds Platinum Card is also quite popular in the market. Or if you are looking for a better deal, take a look at Virgin Credit Card, which has some fixed low rate cards to suit your needs.

Lloyds Create Card Main features:
  • 0% balance transfers for 6 months
  • Up to 0.5% cash back
  • Change the interest rate, cash back and benefit feature anytime according to your need
  • Choose your card design
  • Online account management
  • Free travel accident insurance
  • Free purchase protection insurance up to £2500 against damage and theft after purchase
  • Emergency cash advance abroad - up to £3000 when you use Sentinel® Card Protection
  • Emergency cash advance abroad - up to £3000 when you use Sentinel® Card Protection
Lloyds Create Card Review:

Highly recommended card. Great methods of adjusting the rate to suit your needs and a great money saving card.
 
Promotion Rate
Standard Rate
Introductory Purchases APR
N/A
Typical 13.9% variable
(9.8%¹ - 18.3%)*
Cash advance APR
N/A
Typical 15.2% variable
(13.7% - 22.4%)
Balance Transfer APR
0% for 6 months
(9.8%¹ - 18.3%)*
Balance Transfer Notes
Balance transfer within 6 weeks of account opening
Cash Back/ Reward
Up to 0.5% cash back, depending on the range of benefits and interest rates you choose
Interest Free Period
Up to 56 days
Minimum Monthly Payment
The greater of 2 % or £5
Annual Fee
Annual Fee: £0 - £10 depending on the range of benefits and interest rates you choose
Eligibility Notes
Age over 18 and UK resident
Other Eligibility Notes
N/A
Card Benefits

- Online account management
- Free travel accident insurance
- Free purchase protection insurance up to £2500 against damage and theft after purchase.
- Emergency cash advance abroad - up to £3000 when you use Sentinel® Card Protection
- Commission free travel currency and delivery to your door with little fee as £4.5



Notes:
*The actual rate offered will depend on your credit history and the combination of benefits you choose. Rates from 11.6% APR variable¹ to 19.9% APR variable.

¹ only available by paying a £10 annual fee

- Terms of conditons and the latest update of create card, please refer to credit card company at www.create.co.uk



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