Purchase credit cards

Whether it’s for everyday essentials or shopping for something bigger, an MBNA purchase credit card can help you pay for things your way.

Find Purchase cards you can apply for

Check your eligibility and get an estimated credit limit without affecting your credit score.

Check your eligibility

Credit is available subject to status.

Not sure how purchase credit cards work?

A purchase credit card usually comes with a low interest rate on purchases to help you manage your essential expenses or regular bills and stay in control of your finances.

Why use a purchase credit card?

  • Keep track of your spending by putting it all in one place
  • You could earn cashback with MBNA Smart Rewards
  • Add it to your smartphone or digital wallets
  • Section 75 protection on purchases of over £100 but not more than £30,000

Read our using your credit card guide if you’d like things explained in more detail.

Check your eligibility

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    • Online card management - check your balance, review transactions, make payments, request transfers and lots more on your computer, phone or tablet.
    • Full fraud protection - you won’t be charged for transactions you didn’t authorise, as long as you tell us if you spot anything odd, or if you lose your card.
    • Choose how you pay - make repayments through your bank, using your debit card, or set up a regular Direct Debit.
    • UK call centres - call us if you need to talk to us about something on your account.
    • Contactless cards - make secure payments wherever you see the contactless symbol. Add your card to your phone too, to make paying even quicker.
    • Paperless monthly statements - get your monthly statements delivered to your inbox instead of your letter box.

     

Who it's for

You can apply for this card if you:

  • are a UK resident aged 18 or over
  • have a regular income
  • don't have a history of bad credit, such as bankruptcy
  • don't have an Individual Voluntary Arrangement (IVA) or County Court Judgments (CCJs)
  • haven't been declined for an MBNA credit card in the last 30 days.

Important to know

Aim to repay your balance before any introductory rates expire. After that, your standard account interest rates will apply to any remaining balance.

Purchase credit card features may vary. Make sure you understand all limitations, terms and conditions before you apply.

We also consider:

  • your credit history, including previous full credit searches
  • affordability of a new credit card based on your income.

Before you go ahead, ask yourself

  • Does a credit card suit my needs, or should I consider other borrowing options?
  • Will I be able to make repayments, even if my circumstances change?

In addition to fees and charges, you could lose any promotional rates if you don’t meet the terms of your account. For example, if you don’t make at least the minimum payment on time each month. If a promotional rate is withdrawn or simply expires, the standard account interest rates, fees and charges will apply.

If you pay late this might negatively affect your credit score.

What other cards are available?

Balance transfer credit cards

Transferring existing credit card and store card balances you hold elsewhere could simplify your outgoings and make things easier to manage.

A balance transfer card could give you time to repay what you owe, helping you take control of your finances.

Transfer fees may apply.

Balance transfer credit cards

Transfer and purchase credit cards

Introductory rates on transfers and purchases.

One card could have everything you need if you’re planning on making transfers, putting your everyday spends in one place, or spreading the cost of a larger purchase.

Transfer fees may apply.

Transfer and purchase credit cards

Ready to see which purchase credit cards you’re eligible for?

To see which cards you’re eligible to apply for and your estimated credit limit up front, try our eligibility checker.

It takes about 5 mins to complete and it won’t affect your credit score.

Check your eligibility

Let's take a closer look

  • This type of credit card could help you to manage your everyday spending needs.

  • What you use a credit card for is up to you, whether you need a card for:

    • Emergencies. This could include essential home or car repairs, medical bills, or urgent travel. Essentially, anything you haven’t budgeted for and might need to spread the repayments on.
    • Everyday and larger purchases. A credit card could be a convenient way to manage your day-to-day spending, all in one place.

    Just keep in mind that whenever you use a credit card, interest and other charges may apply.

  • If there is an introductory offer on your purchases, you may need to make qualifying transactions within a set number of days from account opening. After that, the standard account interest rate would apply to further card purchases. Terms may vary, so always check any offer details carefully. Standard interest rates will also apply to any remaining balance once your promotional rates end.

  • If you follow the terms of your account, you shouldn’t be negatively affected by having and using a credit card. That includes staying within your credit limit and making at least the minimum payment on time each month.

    You could even improve your credit score by using and managing credit cautiously.

    Just keep in mind that whenever you use a credit card, interest and other charges may apply.

  • Instead of listing every credit card we offer, we’ll only show you cards you could apply for, so you can make an informed choice about which cards will suit your needs.

  • The right credit card for you depends on what you want to use it for, and on your personal circumstances. For example, if you want to combine existing card balances, then a balance transfer credit card might be useful.

    We’d suggest reading through everything on this page and on our website, so you understand exactly which credit card is right for you. We also have a handy guide on choosing the right credit card.



  • A credit card can help you manage your finances, but it needs to be the right choice for your needs. Other borrowing options might be more suitable depending on what you need it for.

  • When you use the eligibility checker, we only perform a soft search which won’t affect your credit score. This means it can’t be seen by other lenders and won’t affect applying for other products. If you go ahead and apply then we will do a full credit check. This will be noted on your credit file and may affect your credit score.

Useful information

To find out more about MBNA credit cards, and borrowing in general, read our understanding credit section.

You’ll find helpful guides on managing your credit card, transfers made easy, and in-depth information about how credit scoring works.

  • Draft credit card Terms and conditions (PDF, 355KB)

    We'll send you a full set of terms and conditions specific to you once you’ve been accepted for the credit card.

  • Responsible lending

    Lloyds is a responsible lender. We only want you to borrow what you can afford, in a way that’s best for you. The outcome of your credit card application depends on our assessment of your circumstances.

    You can talk to a member of our team about the choices you've made. They’ll also be able to talk to you about your options if you’re experiencing financial difficulties.

    A note on fraud

    You won't have to pay us for any unauthorised postal, telephone or internet transactions made by someone other than you or an additional cardholder. However you and additional cardholders must take all reasonable measures to protect your account.

    You should never tell anyone your PIN. You can give suppliers your card details and won’t be liable if they misuse them. However if you’ve given someone else your card details, you’re liable for all transactions unless you’ve told us they’re not authorised.