Maximise your Avios, air miles and hotel points

Can you re-apply for the Lloyds Avios card via TSB and get a second sign-up bonus?

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Assuming that their advertising campaign has worked, UK readers will be in no doubt that Lloyds Bank has split off 600 of its branches to form a new bank, TSB (albeit using a brand that Lloyds acquired some years ago).

Since November 2011, Lloyds TSB, as it was, has been the issuer of the official avios.com credit card.  They were also the issuer of the Air Miles credit card for a period, since winning the contract from NatWest.

I had assumed that the ‘new’ Lloyds Bank would become the issuer of the Avios credit cards. 

It seems I was wrong, as you can see from this picture:

TSB Avios cards

Now, the small print says:

The TSB Avios American Express Card is issued and administered by TSB pursuant to a licence from American Express”

And TSB, legally, is not part of Lloyds Bank anymore.  It actually uses the banking licence of the old Bank of Scotland (now Lloyds TSB Scotland).  Lloyds Bank uses a different banking licence.

This is important because the Avios credit cards have a strict ‘one sign-up bonus EVER’ rule.  However, is the TSB card actually a ‘new’ card?  It is issued by TSB, not Lloyds.  Can you therefore get another sign-up bonus by applying for this card, if you have already had and cancelled the Lloyds version?

The answer, of course, is “we don’t know”.  However, I am tempted to apply for one as an experiment and see what happens.  The alternative is to wait until TSB is sold off next year, although by then I get a feeling that they will not be offering the Avios cards any longer.


how to earn avios from credit cards

How to earn Avios from UK credit cards (January 2021)

As a reminder, there are various ways of earning Avios from UK credit cards.  Many cards also have generous sign-up bonuses!

There are two official British Airways American Express cards:

British Airways American Express card

British Airways American Express

5,000 Avios for signing up, no annual fee and a companion voucher for spending £20,000 Read our full review

BA Premium Plus American Express card BAPP

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher Read our full review

You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points, such as:

Nectar American Express

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & two airport lounge passes Read our full review

American Express Platinum card Amex

The Platinum Card from American Express

30,000 points and an unbeatable set of travel benefits – for a fee Read our full review

Click here to read our detailed summary of all UK credit cards which earn Avios. This includes both personal and small business cards.

If you have a small business, we especially recommend Capital On Cap’s Visa card which comes with a generous bonus worth 10,500 Avios:

Capital On Tap Business Rewards Visa

The most generous Avios Visa or Mastercard for a limited company Read our full review

(Want to earn more Avios?  Click here to visit our home page for our latest articles on earning and spending your Avios points and click here to see how to earn more Avios this month from offers and promotions.)

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