Why I Think the Lloyds/Halifax Bank World Elite Mastercard Is Worth Its Weight in Gold

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(Charlie’s Blog – My Side Gig)

If you travel even a couple of times a year, having lounge access can completely change the airport experience. One of the cards that quietly offers huge value for frequent travellers — especially couples or people travelling together — is the Lloyds/Halifax Bank World Elite Mastercard.

And because Lloyds and Halifax sit under the same banking umbrella (Lloyds Banking Group), this card ties directly into the same wider benefits, support and infrastructure you may already be familiar with if you bank with either brand.

The headline perk? Unlimited Priority Pass airport lounge access — not just for you, but also for a supplementary cardholder at no extra cost.

I use this personally on trips and honestly… it’s worth its weight in gold.

The Key Perk: Priority Pass (Unlimited Access)

The Lloyds Bank World Elite Mastercard includes a Prestige-level Priority Pass membership. This is the top tier membership and gives you:

• Unlimited entry to over 1,300–1,800 airport lounges worldwide

• Free lounge access for a supplementary cardholder, with their own Priority Pass login

• Access to lounges regardless of airline, cabin class, or ticket type

For context, if you were to buy Priority Pass Prestige directly, it’s around £419 per person, per year.

With Lloyds World Elite, you pay £15 per month (£180 per year) — and you get two Prestige memberships included.

If you travel with a partner, this is one of the best-value lounge access setups available in the UK.

Extra Info

Here’s what you get:

💸 Cashback

• 0.5% cashback on the first £15,000 of spending each year

• 1% cashback on spending over £15,000

• Cashback is paid monthly (the day after your statement date)

✈️ Travel Benefits

• Unlimited Priority Pass airport lounge access

• Airport Security Fast Track via DragonPass at participating airports

• Access to Mastercard Priceless™ experiences & offers

• No foreign exchange fees on overseas card purchases

👥 Share the Perks

• Add a supplementary cardholder for free

• They get the same cashback rates and full lounge / Fast Track access

🔐 Built-In Protections

• Section 75 protection on eligible purchases

• Fraud protection and UK-based customer support

• Manage everything via the Halifax Mobile Banking App

• Paperless statements + multiple repayment options

💳 Cost & Practical Bits

• £15 monthly fee (same as Lloyds World Elite)

• Credit limit and APR vary based on circumstances (representative APR 55.0% including fee)

Add a Supplementary Cardholder for Free

One of the most underrated perks is being able to add a free supplementary cardholder.
They get:

• Their own Priority Pass Unlimited membership

• Lounge access even when not travelling with you

• Their own physical Mastercard

This effectively doubles the value of the card — and it’s a big reason why, for my own travel, it’s easily worth the fee.

My Experience Using It: “Worth Its Weight in Gold”

I use this card for personal trips — and it makes a massive difference:

• Early flights become bearable when you can sit in a quiet lounge with food, drinks and WiFi

• Long-haul departures feel smoother, especially when you can skip busy terminals

• Some airports include Fast Track security as a benefit too (varies by location)

Every time I go away, the card more than pays for itself.
Even just 4–5 lounge visits a year would cost more than the annual card fee.

Summary

Membership Option	What You Get	Annual Cost	Effective Value
Priority Pass Prestige (Direct Purchase)	Unlimited lounge access for 1 person	~£419/year	Most expensive option
2× Priority Pass Prestige (Direct Purchase)	Unlimited access for two people	~£838/year	Double the cost if travelling as a pair
Lloyds World Elite Mastercard	Unlimited lounge access + free supplementary card with full Priority Pass	£180/year (£15/month)	Best value — 2 people for less than half the cost of 1 Prestige

If you travel as a pair, the value is incredible.

Even if you just use it solo, the unlimited access is cheaper than buying Prestige directly.

Final Thoughts

For travellers — especially couples or people who fly several times a year — the Lloyds/Halifax Bank World Elite Mastercard is one of the best-value premium UK cards on the market.

Unlimited lounge access for two people, for less than half the cost of one Priority Pass, makes it exceptional. Add in the fact that I use it myself and find it genuinely worth its weight in gold, and it becomes a no-brainer for anyone looking to upgrade their airport experience without overpaying.
If you want more personal money-saving tips like this, keep an eye on Charlie’s Blog on My Side Gig ✌️