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Bits: another Lloyds / Avios horror story, spam Avios emails doing the rounds

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News in brief:

Another Lloyds / Avios horror story

Long-time HfP readers will know that I have softened my stance on the Lloyds Avios Rewards credit cards over the years.  This is partly because readers convinced me that, despite the appalling Lloyds customer service, the upgrade voucher and lack of FX fees was worth it.  It is also partly because the Avios changes in 2015 made the upgrade voucher more valuable because the price gap between Club World and World Traveller Plus doubled.

Every so often, though, I am reminded what a shambles Lloyds is.  A HfP reader applied for the Lloyds Avios Rewards card in January and has not yet received one single Avios point in his account.  This is the timeline:

  • Reader opens a Lloyds Avios Rewards card in January 2016
  • Card received, spending begins
  • Checks Avios account a few weeks later, nothing there
  • Ring Lloyds which has opened a 2nd Avios account by mistake – but that is also empty
  • Avios merge the two accounts
  • A month later – still no Avios
  • Phones Lloyds, they get in touch with Avios – ‘they are sorting it out’
  • Phones again – Lloyds promise it will be resolved by 31st May
  • Deadline passed
  • Lloyds suggests the reader registers a formal complaint against them (!) – which the reader does
  • Receives an email from Lloyds asking the reader call them on a secure direct line to discuss the complaint.   The email says ‘to prove that this email is genuine, here are the first four digits of your post code’.  The four digits given are completely wrong.
  • Reader is awarded £200 compensation from Lloyds, but still no Avios
  • July – Lloyds gives a solemn promise in writing that the Avios will be sent over within six weeks
  • Six weeks later (this week) – “Due to unforeseen circumstances we’ve not been able to deliver on our commitment of four to six weeks to resolve the issues we have been experiencing regarding Avios points. We are however monitoring this on a regular basis and will be in touch with you as soon as the issue has been resolved.”

The reader has spent £10,000 on the card so far and has not received a single point.  It beggers belief how difficult it can be to actually send the points to an Avios account ……

Spam Avios emails doing the rounds

I suppose it says something about the popularity of the Avios scheme that spammers now feel it worth promoting.

A reader sent me over the following email that she received from “British Airways Promo #417719”:

Congratulations! You won a 10,000 miles British Airways gift card.
   
A gift card has a value that you can use in full or part payment of a flight booking with British Airways.

In order to claim your gift card, or it’s equivalent value in GBP (399 GBP), simply click the link below and register into our Customer Relationship Management program.

http:// etc
   
British Airways Customer Service

Obviously there are clear clues here that this is spam – primarily the idea that 10,000 Avios would be worth £399 …..


How to earn Avios from UK credit cards

How to earn Avios from UK credit cards (April 2024)

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 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 card

Barclaycard Avios Mastercard

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

25,000 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.

American Express Preferred Rewards Gold

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

The Platinum Card from American Express

40,000 bonus points and a huge range of valuable benefits – for a 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, along with a sign-up bonus worth 10,500 Avios.

Capital on Tap Business Rewards Visa

Huge 30,000 points bonus until 12th May 2024 Read our full review

You should also consider the British Airways Accelerating Business credit card. This is open to sole traders as well as limited companies and has a 30,000 Avios sign-up bonus.

British Airways Accelerating Business American Express

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

40,000 points sign-up bonus 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.

Comments (65)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • Julio says:

    Similar problem happened to me.
    I was more relaxed since I didn’t have any urgent need to use the Avios points.
    It took me about 4 months to notice that points were missing, so I phoned Lloyds and they escalated the matter internally. I was told it’d take 30 days to get an answer.
    I phoned a month later, and I was updated with an acknowledgement of the problem and a promise that the points would be in my account in 30 days.
    Indeed a month later all the missing points from my spending and the corresponding bonus points of the first six months were added to my Avios account.
    So yes, they are slow to resolve the problem but they did resolve it within the timescales I was told.

    Still the problem happens too often as described by others above, and two months feels too long for a common problem to be resolved.
    I agree with Genghis’ comments about the “sensitiveness” of Lloyds’ anti-fraud system when you’re abroad, I need to have the Halifax Clarity too in order to be safe.

    So not brilliant, but 1.25 Avios per £ and no forex fees for £24 is a good deal atm, even when you have to put up with these issues.

  • AceCobra1 says:

    Does the Lloyds card show the amount of avios I have acquired?

    I just received it the other day and it doesn’t seem to say that. I have my BA PP which I have spent enough to qualify for the 2 for 1 voucher so I am planning on working on my Lloyds.

    Also, my credit limit is only £2.5k on that card so I need to keep paying it back so that I can spend more than that in a month – The only thing is I cannot find the option to pay it before my bills are due? I can do it for my other cards so not quite sure what is wrong.

    Finally, I tried to register the AMEX version of this card with my paypal account and it says card is not supported? The mastercard version works just fine.

    • Johnnycl says:

      It’ll give you a summary of the Avios you earn each month at the bottom of your statement.

      Helpfully the website does not allow you to make payments so you can either ring up or better still do a BACS transfer. I’m in the same boat but with a much lower limit than you so I make weekly payments to the card. Ironically Barclaycard are in the habit of increasing my limit every 6 months despite the fact I don’t use their card!

      Not had any PayPal issues so can’t help there.

      • AceCobra1 says:

        Thanks – where can I find the details to transfer to? I am not due my first bill yet.

        I don’t understand why they don’t have a “pay on demand” option on their website like everyone else! That is bad

      • AceCobra1 says:

        Actually, I can’t even see anything avios related in my accounts section. Which section is it located? It says my balance is £26.99 so if I am earning double avios at the moment for the 6 months, I should see 68 avios ?

  • mark2 says:

    Looking through the comments there seem to be two conclusions:
    Lloyds customer service is rubbish
    They give generous compensation on complaints.
    Would anyone like to share stories of the generous compensation that they have received from Supercard for their errors.

  • Tina says:

    Slightly OT but does anybody know if OW partners – QR CX MH BA – charge extra for using Amax or credit cards rather than debit cards?

    If so, are the ancillary charges the same amongst all airlines? Thanks a lot

  • Fynn says:

    Oh after reading all those horror stories I must count myself lucky. I took out the premier avios card years ago when it came free with their premier account. Never had anything missing throughout – only thing which was wrong was the 241 voucher, which showed up about 6 months late. however, my documents say I got to pay an annual fee of £50 for the premier card – but this has not been collected for years! 😀

  • Jay says:

    Same horror story for me with my Lloyds Avios card. I applied for the card five months ago and my story is just about the same. I still have not seen one Avios at all. Lloyds are “investigating” but cannot tell me when this will be resolved. To add insult to injury, they closed my complaint after a day and will manually ‘diarise’ to review every two weeks (I suspect to keep their complaint numbers down) but I will now probably take this to the FCA as it’s one complete shambles and they should never have opened the account knowing they had serious issues.

    The saga continues.

    • Mushy says:

      My husband and I applied for these cards a few months ago. I get my avios monthly no problem, but like you he hasn’t seen a single avios. So its not everybody.

      What I do not understand is why they don’t just manually give you the Avios, (that must be easy) close your accounts and open new ones. Surely that would save the time with this gang of IT bods trying to work out what’s going wrong.

  • Catherine says:

    Really glad I didn’t get the Lloyds credit cards for the points now! I don’t use Avios as I have frequent flyers with Singapore Airlines so only really fly with Star Alliance airlines. I have the AMEX Starwood card (got it on the 20,000 point sign-up promo back in December, which I received as soon as I hit the spending requirement), and then will convert the points to Singapore Airlines when I need them. I got the Lloyds Avios for the zero FX fees as I’m temporarily moving back over to Australia next month (will still be a resident in the UK and still getting paid in GBP), and it’ll do me for the time that I’m out there and whenever I travel abroad.

  • Jon says:

    Same story here. I didn’t receive any points for about six months, then got a big points deposit (which I just assumed was correct as had no idea how this was calculated). Then I chased for the upgrade voucher about five times, every few months. Finally got the voucher about 18 months after application! I complained and got my renewal fee waived but that’s about it. Genuinely can’t understand why this is so difficult for them – perhaps Raffles you could find an insider to give the scoop?

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