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Lloyds Bank: Platinum Credit Card reviews

Name: Platinum Credit Card
Rating: 4.19 (52 reviews)

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4.04

Based on 52 reviews, last reviewed 23rd Jan 2026

200% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

61%

17%

10%

Latest highest rating:

5

Applied for Lloyd's Platinum credit card for large p... Applied for Lloyd's Platinum credit card for large purchase. Easy application, good card limit, process continued on track without issue. Card arrived... Read more Reviewed on: 23rd January 2026

Latest lowest rating:

1

Awful service They decided I had to put my pin in for a purchase of less than £100 , I put the wrong number in once then they blocked the card Reviewed on: 20th November 2025

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About this product

Lloyds Bank Platinum Credit Card reviews can help you to find out about the pros and cons of the Platinum Credit Card credit card. What kind of features do Lloyds Bank customers like? Find out more about the Lloyds Bank Platinum Credit Card by reading our trusted Smart Money People reviews. You can also write your own Lloyds Bank Platinum 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.

Lloyds Bank Platinum Credit Card reviews (52)

Review of the Lloyds Bank, Platinum Credit Card:

Dependable and informative

Lloyds application is good, if like me you only have a credit card, you can see offers and claim cash. Making payments is easy and reliable. Terms and conditions are clear and Lloyds is better to bank with. Reviewed on: 14th July 2023

Credit card interest charges during lockdown

Having been a customer for over ten years tried to move to 0% interest during lockdown but was refused. Have never missed a payment before and this really saddened me. Reviewed on: 27th April 2020

Most unhelpful bank that I have ever came across

Lloyds Bank does what it says 'Always by your side' to grab what they can before you fall. In this difficult and unstable times Lloyds Bank sends a letter to their most loyal clients, which states that if they don't start to pay higher amount and more interest on their credit cards they will be placed on the list of people in a persisted debt. This list will be shared with all credit score checks so Lloyd's clients will be prevented from getting any loans. Well, great job Lloyds Bank! In this difficult time you definitely know how to look after yourself instead of your loyal clients. Reviewed on: 6th April 2020

Cheap card but catch outs apply

Lucky enough for me I managed to nab one of their low rate cards before the increase. And Lloyds have never gone back to update it. This gives me a loan which is cheaper than most high street payment plans! Perfect for those Christmas gifts. The card is easy to manage, with any fees clearly displayed so it’s perfectly possible to use as a cheap loan or just for cash flow management. Lloyds allow you to pay back either the minimum, full, set amount in a direct debit so easy to manage. Reviewed on: 19th January 2020

Credit card

Good credit card with low interest rates Reviewed on: 11th January 2020

Easy and Pleasant

It is easy and pleasant to speak to the Customer Service Team on the telephone and they are always friendly and helpful. Reviewed on: 5th November 2019

I love loyds bank

Loyds bank is the best bank , almos everyone in my family use Reviewed on: 30th January 2019

Top bank

Great company to deal with always had pleasant experiences with them Reviewed on: 20th January 2019

OK bank

Have been with them a long time but don't feel valued Reviewed on: 9th January 2019

Lowest APR Credit Card I got offered

I'm so happy with this card. I wanted to get my first credit card and never knew who to go with. So glad I went through my bank and applied for this. Got such a low APR. Really pleased with it. Reviewed on: 23rd November 2018

Lloyds Bank

Easy to setup, great customer service, easy to manage online and via the phone app. Reviewed on: 18th November 2018

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