Lloyds Bank: Choice Rewards Credit Card (MCard) Ex/C

Provider:Lloyds Bank
Card Name:Choice Rewards Credit Card (MCard) Ex/C
Networks available:Mastercard
Choice Rewards Credit Card (MCard) Ex/C
Rates & Fees
Introductory offers
Intro balance transfer rate0%
Intro balance transfer period0% for 24 months
Intro balance transfer fee3%
Intro purchase rate0%
Intro purchase period0% for 24 months
Other rates and fees
Representative APR23.7% APR (Representative)
Interest free period56 days
Interest charged fromdate of trans debit
Annual fee£12
Interest on cash withdrawals18.9%
Charges and payments
Charge on overseas spending2.95%
Charge on cash withdrawals3% of withdrawal (minimum £3)
Charge for going over limit£12
Charge for late payment£12
Charge for returned payment£12
Rewards & Benefits
Spending Rewards
Cashback Rewards-
Points SchemeChoice Rewards Mastercard Collect 10 Choice Points per £5 spent on the Lloyds Choice Rewards Mastercard (terms and conditions apply) Choice Rewards American Express Collect 10 Choice Points per £1 spent on the Lloyds Choice Rewards American Express (terms and conditions apply) Double points offer during the first six months for all spend using the American Express card, up to a maximum £2,500 Collect 10 Choice Points for every £5 of any balance transfer from a single provider.
Shopping Rewards-
Charity Rewards-
Other IncentivesEveryday Offers - cashback offers available at participating retailers when the customer shops with their credit card (credit card customers must also hold a current account with the Bank) when the customer registers for Everyday Offers. Available to customers 18 and over, that are registered for online banking and hold a debit card and a credit card. Retailer offers and cashback amounts vary. It's on Us - as part of Everyday Offers, any customer registered for Everyday Offers will be entered into a monthly competition to have a debit or credit card transaction refunded up to the value of £500. Transactions will be selected at random and repaid to the current account at the end of the following month.
Cardholder benefits
0% on overseas purchasesCheck
Travel insurance-
Warranty cover-
Purchase protection-
Internet fraud protectionLloyds ClickSafe Lloyds Clicksafe provides cardholders with added security when purchasing over the internet. The service allows the cardholder to choose a personal password to ensure that only they can make purchases with their card when shopping online, free of charge. Once registered, each time the cardholder uses their card for online purchases with participating retailers they'll be asked for their password to confirm the transaction. Lloyds will check the personal password is correct every time a purchase is made.
Opening and managing the account
Application information
Minimum age18 years
Minimum income£0 per annum
Credit ratingPrime
Existing customers onlyyes
Additional account required-
Apply onlineCheck
Maximum credit limit£0
Account services
Manage onlineCheck
Cheque bookCheck