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Lloyds Bank World Elite Mastercard®
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Lloyds BankUnited Kingdom

Lloyds Bank World Elite Mastercard®

Annual Fee
£180/ year

Unlimited Priority Pass for two — plus 0% FX fees and cashback on every purchase.

This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.

Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.

The Good

  • Priority Pass with unlimited visits for cardholder AND free supplementary
  • 0% FX fees (rare in UK premium cards)
  • Cashback on every purchase (0.5%/1% tiered)
  • Available without a Lloyds current account
  • Reasonable £180 annual fee for unlimited PP + free guest

The Bad

  • 0.5% base cashback is modest
  • No travel insurance bundled (separate purchase)
  • 1% cashback only after £15k spend in anniversary year
  • Cashback redeems as statement credit only

Lounge Access

1 lounge network included

Guest Policy

Unlimited lounge visits for cardholder + free supplementary card with own full Priority Pass membership

Purchase APR

44.20% Representative APR (variable)

Credit Score

Excellent (740+)

Limited Time Offer

Standard Priority Pass Membership (£429 Value) Included

Offer Terms & Eligibility:

Priority Pass + free supplementary cardholder included for the £180 annual fee.

Lounge Networks

1 Included
Priority Pass
Included

Additional Travel Perks

Priority Pass Membership: 1,300+ Lounges Worldwide (unlimited visits)
Free Supplementary Cardholder with Own Priority Pass Membership
0.5% Cashback to £15,000 / 1% Cashback Above £15,000
0% Foreign Transaction Fees
Fast Track Security at Participating UK Airports (DragonPass)
Mastercard Priceless Experiences
World Elite Concierge Service

Lounges Lloyds Bank World Elite Mastercard® Opens

339 lounges tracked across 172 airports, derived from this card's network coverage.

Showing top 12 airports by lounge count. 160 more airports also have at least one lounge this card opens.

Coverage is derived from the lounge networks listed on this card and the lounges AirportLounge.com tracks. Specific lounge access can change without notice; verify on the operator's app or site before you travel.

*Card information is accurate as of 2026. Annual fees and benefits are subject to change by the issuer. Please verify all terms and conditions on the issuer's website before applying.

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