Yet more Lloyds problems …. this time with the new Avios Rewards cards
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I have, in the past, given Lloyds a hard time on Head for Points over the appalling way that it manages its Avios credit cards (such as here). The criticism was well deserved – Lloyds even put its failings in writing to one reader.
(Despite this, by the way, Lloyds has told me formally that it wishes to have no involvement with HFP because of my criticisms of them – which, remember, are simply me reporting the problems of readers. I’ll get over it. And my door is always open.)
I did like the new Lloyds Avios Rewards cards, though. You can read my 3-part review here, here and here. The official websites for the cards are here and here.
I was especially impressed with the ‘no foreign exchange fees’ feature – not only do you not pay the usual 3% fee that 99% of all credit and debit cards charge, but you also earn Avios on your foreign transactions.
If you spend over £800 a year on a credit card outside the UK (£800 x 3% = £24, which is the annual fee on the Lloyds card) then you will make money by getting one. If you are a solo traveller, the upgrade vouchers are also more useful than the 2-4-1 voucher given by the BA Amex.
It was disappointing, then, when the first complaints started coming in about the Lloyds administration of these cards. After all, Lloyds has been issuing Air Miles and Avios cards for a number of years now. The story is the usual one, though, of miles (either base or bonus) not being received. You may have seen someone in the Comments section of HfP mention this yesterday.
Here is how another HfP reader put it to me last week:
“I applied for a card at the end of October …. and put almost £2500 through the Amex card in the first month. I have not had one Avios point credited yet …. Lloyds customer service is appalling – only a (second) letter to their customer services copied to the Lloyds Bank chairman seems to have elicited a response in the shape of a phone call.”
Before the Lloyds PR department is on the phone, I should mention that Lloyds has now confirmed its faults in writing. To quote from a letter received by the reader:
“There is a known problem of receiving Avios on the new account.”
The new Lloyds Avios Rewards cards have not taken off well, despite the ‘no FX fees’ feature. This is probably down to the lack of a sign-up bonus, the lack of promotion by Avios and confusion between the Lloyds cards and the TSB versions (which are effectively the old Lloyds Duo cards). Having both the Lloyds cards and the TSB cards promoted equally on the avios.com website doesn’t help.
I really want these new Lloyds Avios Rewards card to succeed – if only because I want Amex to come under some pressure to remove the 3% foreign exchange fee on its travel cards.
Yet again, though, despite the best attempts of its marketing department to hide them, the Lloyds IT team appears to have found a spade and begun to dig another hole for itself.
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How to earn Avios from UK credit cards (April 2025)
As a reminder, there are various ways of earning Avios points from UK credit cards. Many cards also have generous sign-up bonuses!
In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.
You qualify for the bonus on these cards even if you have a British Airways American Express card:
Barclaycard Avios Plus Mastercard
Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review
Barclaycard Avios Mastercard
Get 5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review
There are two official British Airways American Express cards with attractive sign-up bonuses:
British Airways American Express Premium Plus
30,000 Avios and the famous annual 2-4-1 voucher Read our full review
British Airways American Express
5,000 Avios for signing up and an Economy 2-4-1 voucher for spending £15,000 Read our full review
You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points. These points convert at 1:1 into Avios.
SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on the ‘free for a year’ American Express Preferred Rewards Gold card is increased from 20,000 Membership Rewards points to 30,000 points. Points convert 1:1 into Avios (30,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.
SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on American Express Platinum is increased from 50,000 Membership Rewards points to a huge 80,000 points. Points convert 1:1 into Avios (80,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.
American Express Preferred Rewards Gold
Your best beginner’s card – 30,000 points, FREE for a year & four airport lounge passes Read our full review
The Platinum Card from American Express
80,000 bonus points and great travel benefits – for a large fee Read our full review
Run your own business?
We recommend Capital on Tap for limited companies. You earn 1 Avios per £1 which is impressive for a Visa card, and the standard card is FREE. Capital on Tap cards also have no FX fees.
Capital on Tap Visa
NO annual fee, NO FX fees and points worth 1 Avios per £1 Read our full review
Capital on Tap Pro Visa
10,500 points (=10,500 Avios) plus good benefits Read our full review
There is also a British Airways American Express card for small businesses:
British Airways American Express Accelerating Business
30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review
There are also generous bonuses on the two American Express Business cards, with the points converting at 1:1 into Avios. These cards are open to sole traders as well as limited companies.
American Express Business Platinum
50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review
American Express Business Gold
20,000 points sign-up bonus and FREE for a year 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.
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