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Lloyds Bank: Platinum Credit Card reviews

Name: Platinum Credit Card
Rating: 4.08 (53 reviews)

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4.08

Based on 53 reviews, last reviewed 16th Apr 2026

300% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

63%

17%

Latest highest rating:

5

Easy application process on line, simple to manage... Easy application process on line, simple to manage my account via app. Provided the right terms to match my needs. Reviewed on: 16th April 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.

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Lloyds Bank Platinum Credit Card reviews (53)

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

Simple!

I found taking out a credit card with Lloyd’s bank very easy and simple, my online account is so easy to manage and my interest rates are the best I’ve found! Reviewed on: 6th November 2018

Excellent!

Great benefits that come with the account. Travel insurance came handy and boiler break down cover have saved me a lot of money too! Reviewed on: 12th June 2017

BEST DEAL ON 24 MONTHS 0% INTEREST ON BALANCE TRANSFERE

BANKING WITH LLOYDS OVER 30 YEARS THEY ARE A GREAT BANK TO BE WITH WITH LOADS OF ADDED BONUSES Reviewed on: 10th June 2017

Excellent interest rates

We swapped our credit card over from Barclays Bank to Lloyd's bank for 0% interest! Quick smooth transaction and we can keep an eye on it though internet banking! Staff were really friendly too and welcoming! Reviewed on: 2nd May 2017

Boost my credit rating

To begin with my credit rating was less than adequate but because I bank with lloyds they take into consideration how well I keep up to date with payments and am always in credit so I applied for a credit card and they accepted. I am extremely great duo for their services and customer services. Excellent company Reviewed on: 12th February 2017

good service

excellent service always when paying bill Reviewed on: 2nd February 2017

Top Bank!

I have been nothing but happy with my Lloyds credit card. I once had an unknown transaction on my card, and discovered it in the early hours of the morning. Despite the time, I rang Lloyds and they sorted it out immediately and were very helpful. They money was back in my account within a few hours. Reviewed on: 3rd January 2017

worst credit card I've ever had, but customer service is ok

I received a statement, cleared the balance and a few days later called to close my account. The balance was confirmed as cleared and the account closed. Nearly two months later I received a text and a letter by post saying I had missed a payment and a default charge was being added to my account. Having never had to pay anything further once a balance has been cleared on the last 8 credit cards I have had, I was surprised but understood that the amount was for interest on the days between the statement was issued and the payment made. What I didn't understand was how I could be contacted by text and post to inform me of an arrear, but not sent the actual statement telling me I owed a further payment. Or how my account was showing £0, enabling me to close the account in the first place, if there was an outstanding balance due. I called customer services and they insisted the statement was sent out to me. I insisted that it wasn't and there was no reason for me not to pay a £21 bill having just cleared a £7500 balance. They waived the late payment fee which I appreciated, but I am now preparing to have to deal with them again if this shows up on my credit report, which I really hope it doesn't. Reviewed on: 29th October 2016

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