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Lloyds Bank: Choice Rewards Credit Card reviews

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4.19
Based on 14 reviews, last reviewed 16th Apr 2026
100% increase in 5 star reviews
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Latest highest rating:

5

Excellent value for money and their customer service... Excellent value for money and their customer service is first class. Reviewed on: 16th April 2026
JL Sarmiento's avatar
JL Sarmiento

Latest lowest rating:

1

Customer strategy is stuck in the 70's After working away all week I log on to the bank to find my credit limit on my lloyds card had been reduced to half with no explanation. As I pay my b... Read more Reviewed on: 15th July 2017
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Rc
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Lloyds Bank Choice Rewards Credit Card reviews can help you to find out about the pros and cons of the Choice Rewards Credit Card credit card. What kind of features do Lloyds Bank customers like? Find out more about the Lloyds Bank Choice Rewards Credit Card by reading our trusted Smart Money People reviews. You can also write your own Lloyds Bank Choice Rewards Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

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Lloyds Bank Choice Rewards Credit Card reviews (14)

Customer strategy is stuck in the 70's

1
After working away all week I log on to the bank to find my credit limit on my lloyds card had been reduced to half with no explanation. As I pay my balance in full every month, have a really good job and pay my bills on time I was a little baffled so decided to call the bank. I then received the worst possible customer service and was told that I was notified of the change and it couldn't be reversed. I hung up and then the postman turns up with a letter from lloyds the contents of which I can only describe as aggressively reducing my credit limit. There was however a really helpful paragraph in the letter stating that I could reject the change in limit by exercising my right to cancel my agreement with Lloyds by paying off the balance and closing my credit card account which I have just done! :) Thanks for the good advice Lloyds I will heartily recommend to my friends and professional colleagues to exercise their right not to spend money with you in the future. Not quite sure what I did to offend you so much! Reviewed on: 15th July 2017
Rc's avatar
Rc

Credit Limits

1
I applied for a credit choice rewards credit card and I got a credit limit of £1750.00 which was given to me at the end of July 2016 I then drew some cash and inquired about me taken more cash out as I needed to book a hotel for November 2016 On Saturday when I went in to my internet bank I then discovered that the reduced my credit limit to £1000.00. How could a bank give you a credit limit and reduce the credit limit only after 2 months,when I phoned to complain they said my credit rating was not good but I have a loan and another credit card and I pay them on time and have had no problems. I am disgusted with Lloyds bank. I will not accept any products from them again. I have been with them for four years. Reviewed on: 13th September 2016
Ann Olsen's avatar
Ann Olsen

A rewards card with some good rewards!

4
There is an annual fee to this card, which doesn't seem in line with other credit cards, but it does offer you choice when it comes to redeeming points collected, which is a feature I really like. Reviewed on: 12th May 2015
Bradley's avatar
Bradley

Payment queries

3
Overall, an ok credit card for my needs. However, on occasion I have had issues making the monthly payment via the online system. Calling Lloyds isn't too bad (I think the most I've ever been on hold is 15 min), but prefer to do most things online Reviewed on: 7th April 2015
Ella's avatar
Ella

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