The Lumen
Visa Credit Card

  • Start with a credit limit from £200 to £2,500
  • Helps you build your credit history
  • No annual fee
  • Stay in control with in-app spending tools
Lumen App
Lumen Credit Card
Full Control

In Control by Design

Take charge of your spending with powerful tools right at your fingertips

Freeze your card

Instantly pause your card if you misplace it — and unfreeze just as easily when it turns up.

Set spending hours

Want your card to stop working at midnight? Choose the times of day your card can be used.

Credit Limit buffer

Stay in control by setting a buffer below your credit limit, so you never overspend by accident.

Block cash withdrawals

Prefer not to take out cash? Simply turn off ATM withdrawals in the app.

Lumen App
Mobile App

Manage your Account
in the app

Everything you need to manage your credit card.

Check your balance anytime

See your balance and transactions instantly

Spending alerts

Get notifications to stay on top of your spending

Card controls

Lock or unlock your card, or set spending limits with ease

Flexible payments

Make one-off payments or set up recurring ones

PIN reminder

Quickly view your PIN whenever you need it

Easy Application

How to apply

You won't find our card on the high street. Instead, it's available exclusively through leading credit card comparison sites. That way, you can easily compare us side by side with other cards and choose the one that's right for you.