Lloyds Bank Avios Rewards Credit Card Account

Lloyds Bank Avios Rewards Credit Card account
Lloyds Bank Credit Cards
Up to 1.25 Avios per £1 of eligible spend

The must-have account for travellers

Lloyds Bank Avios Rewards Credit Cards

Your Account comes with two cards to give you the benefits of American Express® and MasterCard®.

  • Collect 1.25 Avios per £1 of eligible spend on the Lloyds Bank Avios Rewards American Express® Card
  • Collect 1.25 Avios per £5 of eligible spend on the Lloyds Bank Avios Rewards MasterCard®

Representative example:

Purchase rate:

18.94% p.a. (variable)


Representative

23.7% APR (variable)


Based on borrowing

£1,200 Over 12 months


With a £24 annual fee


Credit limits and interest rates will vary based on your individual circumstances

You will not collect Avios for: cash withdrawals, interest, fees or charges, transactions at casinos, betting outlets or bookmakers, payments to offline or online current accounts, savings, share-trading, spread-betting, gambling, any other similar account or fraudulent transactions.

Benefits at home and abroad

Collect Avios

Collect Avios

Use your Avios Rewards American Express® Card and get up to 1.25 Avios per £1 of eligible spend.
Use your Avios Rewards MasterCard® and get 1.25 Avios per £5 of eligible spend.

With a £24 annual fee.

No foreign transaction fees


No foreign transaction fees

Pay no foreign transaction fees (typically 2.95%) when using your card abroad. So if you spend £500 abroad a year, you’ll save up to £14.75 on fees whilst still collecting Avios. Other fees may apply, such as cash withdrawal fees.


Two free flight upgrades

Flight Upgrade Voucher* after one year of £7,000 eligible spend

Collect selected Flight Upgrade Vouchers with a minimum of £7,000 of eligible spend made within a single year.

 
Only selected flight bookings paid for in full using Avios are eligible to be upgraded using the voucher. You can upgrade two one-way flights for two people travelling at the same time or 1 return journey. Avios and Money bookings, and bookings paid for fully in cash are excluded. You can only claim one upgrade voucher per year. See terms and conditions

See what upgrades give you?


Double Avios

Get Double Avios for 6 months**

As a new Account holder, for your first 6 months you’ll get Double Avios whenever you spend with your American Express® Card. That’s a balance-boosting 2.5 Avios per £1 of eligible spend.

Maximum eligible spend of £2,500 per month. See terms and conditions


0% interest

0% interest on balance transfers & purchases

0% interest on balance transfers for 32 months from account opening (balances transferred within the first 90 days, 3% fee applies). You can transfer balances to us (£100 minimum) from most credit cards and some store cards, excluding other Lloyds Bank products. You'll also receive 1.25 Avios per every £5 of your balance transfer made from a single provider. 0% interest on purchases for 12 months from account opening.

To keep your promotional offers, you must stay within your credit limit and make at least your minimum repayments on time every month.

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Avios Group (AGL) Ltd are acting as a credit broker in relation to this new application.

Your APR explained

Lloyds Bank treat all their customers on an individual basis. The APR and interest rates they offer are determined by the details you supply, along with an independent verification of your credit and repayment history.
Your personal APR will be either 23.7% APR (variable), 26.9% APR (variable) or 31.1% APR (variable).
Lloyds Bank's representative APR of 23.7% is what most customers, at least 51%, will recieve when they apply for the Avios Rewards credit cards.

Terms and conditions

Below are not the full Product terms & conditions, to understand the Product, you will also need to read the credit card & reward scheme terms & conditions found within the links below.

Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, under registration number 119278. We also subscribe to The Lending Code. Details can be obtained from www.lendingstandardsboard.org.uk

The Lloyds Bank Avios Rewards American Express Card is issued and administered by Lloyds Bank pursuant to a licence from American Express. American Express® is a registered trademark of American Express company. MasterCard and the MasterCard Brand mark are registered trademarks of MasterCard International Incorporated.

You will not collect Avios for: cash withdrawals, interest, fees or charges, transactions at casinos, betting outlets or bookmakers, payments to offline or online current accounts, savings, share-trading, spread-betting, gambling, any other similar account or fraudulent transactions.

All bookings are strictly subject to availability which may be very limited on some routes at certain times especially during peak periods. The total number of seats available for Reward Flights will vary from route to route and from week to week depending on commercial demand. Please visit the Explorer map for the latest availability. All bookings are subject to Avios terms and conditions and the Carriers conditions of carriage

If you don't qualify for the lowest rate, you'll get a higher APR, either 26.9% (variable) or 31.1% (variable), depending on your circumstances.

Avios Rewards cards terms and conditions

Avios Rewards cards summary box

Avios Scheme terms and conditions

*Avios Upgrade Voucher

  1. You will need a minimum of 8000 Avios to purchase a return flight. Spending £7,000 on your Avios Rewards American Express card would earn 8750 Avios. Spending £7,000 on your Avios Rewards MasterCard would earn 1750 Avios. If you don't earn enough points through this card to purchase a flight using only Avios, you can also earn Avios from other sources. Any Avios balance you have earned previously can also be used to purchase flights.
  2. You will earn one upgrade voucher if you spend a minimum of £7,000 on your Lloyds Bank Avios Rewards Credit Card in a calendar year. The £7,000 spend threshold excludes cash withdrawals, balance transfers, refunded purchases, interest, fees and other charges.
  3. You will be notified if you have qualified for an upgrade voucher on your Avios online account approx. 4 weeks after reaching the spend threshold of £7,000.
  4. Upgrade vouchers are limited to one per calendar year.
  5. New bookings made using the upgrade voucher must be booked online at www.avios.com. Customers wishing to use the voucher to upgrade an eligible existing booking or if the flight you need includes a connection can do so by telephoning 0344 49 333 49.
  6. Only bookings paid for using full Avios are eligible to be upgraded using the voucher. Avios and Money bookings and bookings paid for fully in cash are excluded.
  7. The upgrade voucher will be valid for 12 months from the date of issue. Your booking must be made within the 12 month period, after which time the voucher will expire and will not be replaced or extended.
  8. Upgrade vouchers can be used to upgrade either 2 one way flights for 2 people travelling at the same time and to the same destination or 1 return journey booked on a British Airways main line service. British Airways codeshare flights are excluded. Flights from London City airport are excluded.
  9. Using an upgrade voucher enables customers to upgrade their booking by one cabin class. Customers can upgrade a booking to the class above as follows:
    • From Euro Traveller to Club Europe;
    • From World Traveller to World Traveller Plus; or
    • From World Traveller Plus to Club World.
  10. Bookings cannot be upgraded to a First Class Cabin.
  11. Airline taxes, fees and charges or Reward Flight Saver (RFS) cost if applicable must be paid on all tickets booked. Customers who upgrade their journey using the upgrade voucher will have to pay the increase in airline taxes, fees and charges or increased Reward Flight Saver cost applicable to the cabin that the customer upgrades to.
  12. RFS is available to Avios members who have collected 1 Avios in the preceding 12 months and who book a British Airways operated and marketed flight to a destination in Avios zones 1-3. RFS enables the member to pay a cash price in respect of taxes, fees and carrier charges on a qualifying flight in economy class in place of the actual taxes, fees and charges applicable to the booking. RFS is not available on any British Airways codeshare, BA partner flights or bookings containing any BA partner. The fee for RFS can be found on the Avios website at www.avios.com, the price quoted for RFS may be subject to change.
  13. The cardholder must travel on any booking made using an upgrade voucher.
  14. Customers who have an eligible existing booking made with Avios may use the upgrade voucher if applicable.
  15. Upgrade vouchers cannot be used in conjunction with any other offer and are non-transferable and non-refundable.
  16. Bookings made using an upgrade voucher are subject to Avios terms and conditions and are strictly subject to availability which may be very limited or not available on some routes at certain times especially during peak periods.
  17. Neither Lloyds Bank nor Avios Group (AGL) Ltd can guarantee you will be able to use an upgrade voucher on a particular flight.
  18. Avios Group (AGL) Ltd reserve the right to withdraw or amend this offer upon providing reasonable notice.
  19. Avios Group (AGL) Ltd cannot accept responsibility for problems arising from computer malfunctions, viruses, bugs or other such causes which may prevent you from taking advantage of this offer.

**Double Avios Terms & Conditions

To qualify for our double Avios offer simply:

  • Successfully apply for an Avios Rewards credit card. Then;
  • Get double Avios on eligible spend on your Avios Rewards or Premier Avios Rewards American Express credit card during the first 6 months from the date your account opens, up to a maximum £2,500 spend per month.(For the purpose of this promotion, a month is classed as the period between your statements, I.e. If your statement date is 4 December, double points will be earned on spend of up to £2,500 until your next statement on 4 January. This will follow the same pattern for subsequent months).

Remember:

  • Spend on your Avios Rewards or Premier Avios Rewards MasterCard credit card will not qualify for the double Avios promotion
  • To remain eligible for this promotion, you must stay within your credit limit and make at least your minimum monthly payments on time

Your double Avios will be calculated on a monthly basis and will be seen on your monthly credit card statement from your first statement