How you earn
1% cashback in the first year, then 0.25% on eligible purchases.
- No cashback cap advertised.
- Some spending is excluded from cashback.
Cashback
1%
Drops to 0.25% after 12 months
Rep. APR
14.9%
Variable
Annual fee
£0
Spending abroad
Free
No foreign transaction fees
Lounge access
Not included
Using it abroad
No non-sterling transaction fee on purchases or Lloyds cash-withdrawal fee abroad.
- Converts at the Visa exchange rate.
- Cash withdrawals start charging interest immediately.
Who can apply
You need to be a UK resident aged 18+ with a regular income.
- Acceptance is subject to status.
You can add up to three extra cardholders.
