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Luma: Credit card reviews

View other Luma products
4.16
Based on 3 reviews, last reviewed 8th Jul 2026
100% increase in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
33%
See only 4 star reviews
67%
3 star
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0%
2 star
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0%
1 star
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0%

Latest highest rating:

5

Great app, great customer service. Great app, great customer service. Not too expensive compared to other credit cards. Very easy to pay direct on the app from your current account. ... Read more Reviewed on: 8th July 2026
SKL's avatar
SKL

Latest lowest rating:

N/A

This product has not received a review of either 1 or 2 stars.
Read all reviews Write a review

About this product

You could get a Luma credit card even if you’re new to credit, have CCJs or other issues with your credit rating.

You can manage your Luma credit card account anytime using the mobile app and there’s no annual fee. Luma offer automated fraud alerts and free identity theft protection.

Luma credit card reviews help you find out what it’s really like to be a customer. If you’ve used Luma before, you can also leave a review and share your experience.

Review Luma: Credit card now

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Luma Credit card reviews (3)

Great app, great customer service.

5
Great app, great customer service. Not too expensive compared to other credit cards. Very easy to pay direct on the app from your current account. Luma keep me informed of payments due. Notifications are very useful. Reviewed on: 8th July 2026
SKL's avatar
SKL

Good credit card

4
Have used my luma credit card for a few years now, haven't had any problems with it and it has a reasonable amount you can borrow. Reviewed on: 23rd June 2018
strawbubbi's avatar
strawbubbi

Can't fault it

4
I have a luma card, got it to try and build up a credit rating as didn't have one. its been ok for me< cant fault them, been paid off every month and had offers to increase my limit. Reviewed on: 15th December 2016
Claire Glanvill's avatar
Claire Glanvill

Review Luma: Credit card now

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