Maximise your Avios, air miles and hotel points

Why are some Lloyds Avios cardholders not receiving any points?

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Regular readers will know that I hold the Lloyds Bank credit card operation in contempt.  It regularly manages to achieve levels of incompetence which other banks simply couldn’t match if they tried.

Who else, for example, would take five days to send out ‘refer a friend’ emails after you request them?  Fewer than 1 in 3 people who I refer for the Lloyds Avios cards actually manage to receive the email and receive the bonus points (my Amex strike rate is 80%).  

Who else would freeze your credit card on suspicion of money laundering because your spouse paid your bill from their bank account (as happened to me)?

Unfortunately, the Lloyds Avios Rewards credit card remains an excellent product.  It is the only credit card in Britain to offer reward points (of any kind) alongside 0% foreign exchange fees.  The Avios upgrade voucher you receive for spending £7,000 – which can be across the Amex and the MasterCard – is also a great deal for a solo traveller who might find the British Airways American Express 2-4-1 voucher useless.

So, as I say, I keep recommending the card regardless.

And yet …..

There is a group of cardholders – it isn’t clear how large, but many are HfP readers – who have never received a single Avios point from their Lloyds Avios credit card.

I have been receiving these complaints from readers for well over a year.  To be honest I didn’t take them too seriously at first because IT cock-ups with data transfer of points are a fairly regular event.  And, in any event, how hard would it be for Lloyds to manually send Avios a list of accounts and the points due?

And yet, when pressurised, Lloyds can do it.  What a surprise.

This is what happened to a reader recently:

Opened a Lloyds Avios Rewards credit card account

Received no Avios at all after 10 weeks

Lodged a complaint, told it would take 12 weeks to resolve!

Waited 4 weeks, lodged another complaint threatening a referral to the Ombudsman

Missing Avios arrived 4 days later

So, pressure works.  This reader also referred his wife for her own card.  After two months, she had received no Avios.  She complained and was told by Lloyds that it would take 26 WEEKS for them to credit her the missing points.

The good news is that Lloyds is now offering a defined piece of compensation.

If you are missing Avios points, you should contact Lloyds and say that you need them for an imminent booking.  Magically, the Avios will appear.  Lloyds will also pay you £150 in compensation.

Don’t expect any missing Avios to appear without intervention.  What is interesting, from all of the different cases I have seen, is that no-one has ever been told what the problem actually is, and customers who question the bank are told that even they don’t know.

As I said, that’s Lloyds for you.


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Comments (168)

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

  • Dagmar says:

    A similar thing happened to me when I opened these cards. The avios were listed on the statement but did not appear in my Avios account. I called Lloyds who said I needed to speak to Avios. I did and they said they had created a new Avios account for me where all the Lloyds Avios went. They said the spelling of my address on my existing Avios account was slightly different from the address asscoiated with the Lloyds account and this is why they did not detect the existing account. Avios merged the accounts and the Lloyds Avios appeared in my main Avios account within a few days.

    • Nick says:

      Same thing happened to me although I don’t think there was an address issue. Sorted quickly.

  • Chris says:

    Lloyd are not the only organisation not to honour the avios deals. I subscribed to the Sunday Times Holiday Magazine last Summer following your recommendation and despite being told several times that the points will arrive they never did. The magazine no longer answers my emails/questions. I have several unanswered, other than automated response, from earlier this year.

    • Polly says:

      Chris, you really should call up Sundayntimes customer services section. They are really very good at sorting out stuff on the phone, and insist on a manager actually coming to the phone. I had a couple of issues as a normal subscriber, and the odd JL voucher is handed out. But they would get your avios sorted am sure.

      • Worzel says:

        Shouldn’t be too difficult.

        I fired in a couple of emails and in the end got double bubble for my trouble- two emails/two resolutions.

  • Lynn says:

    Hi

    I was sent the Choice card but I don’t know whether that was my mistake or theirs but I did use your referral. I phoned in January to ask to be transferred to the Avios card but was advised I should wait until I have made the first payment. I have since phoned twice with each call lasting over 20 minutes. After providing details as though I am making a new application I was told, on both occasions, that I will have to phone again in a few weeks. I asked them to close the account but that hasn’t happened either. I am not impressed, are there any other cards which offer a good foreign exchange deal?

    • the real harry1 says:

      Halifax Clarity credit card gives perfect exchange rate and free ATM withdrawals home & abroad – avoid interest on ATM withdrawals by immediately funding your account (or pre-funding it)

      • Worzel says:

        Yes.

        Lloyds=shambles=avoid !

      • Bill says:

        I have a Halifax clarity card and I’m waiting on a referral from Lloyds for the reward cards. Do you think my having a clarity card will exclude me from getting the bonus points based on it being issued from Halifax?

  • Stu R says:

    I banked with Lloyds for over 30 years before their ineptitude with my Avios cards became so unbelievable that, after receiving a total of £400 compensation in various chunks (including £80 for one young lady who got so frustrated she announced she was terminating our call then did so) I have now moved everything to another bank.

    Though I believe the BAPP is actually issued indirectly by Lloyds??

  • Vish says:

    I made an application for the Lloyds card. No response after 2 weeks. I called them up and they said for some reason I have 2 profiles, as a result their IT department will need to intervene. Was told to try and apply a week later.

    Done this and was rejected. I called up to ask why and told that the profile issue has not been resolved and now I have made 3 applications within a month so it’s affected my credit rating.

    I was then told I could make the application on the phone. So I done this, took 20mins and told that I would get letters in the post to sign and return. They never arrived so I gave up with them totally.

  • Paul says:

    Financial institution in the UK are shocking and hold customers in contempt.
    I find the only was to deal with them is to make complaints formal and to request details of their complaints procedure.
    Did this yesterday after getting runaround from Hilton barclaycard over fairly minor matter that they were handling badly after nearly two weeks of email. Within 3 hours had a call and everything sorted. A
    Same thing with IHG and closure of card account couple of weeks.
    You have to move quickly towards the formal procedure to ensure they take things seriously. Don’t know if they get fined or pay for complaints that get to ombudsman but the threat of going there seems to work

    • Polly says:

      Paul, if s company is referred to the Ombudsman, they are immediately charged a £500 fee, so they will do anything to stop you going to the O. Plus the O lambasts them for not settling small claims. I only found out by chance when Lloyds bank insurance were messing me around and one of the csa let it slip “. But it will cost us more than that anyway if she goes to the ombudsman” the manager had it sorted in 5 mins then.

  • Nate1309 says:

    I have the old duo pack, that I rarely use and as such don’t regularly check the statement. The Lloyds fraud team picked up some suspicious transactions in Pakistan very quickly and were very helpful on the phone I have to say.

  • Nick says:

    OT but relating to not receiving Avios………I flew to Phuket via Kuala Lumpur a couple of weeks ago. This was with Malaysian Airlines flying business class on the Xpedia/Ebookers deal referred to on this site back in January which offered a very competitive price when combining flight with at least one nightbin an Hotel. My booking was in the Z bucket for the LHR-KUL return sectors and C bucket for the KUL-HKT return sectors. Both Z and C are listed on the BAEC website as delivering full business class Avios and tier points. For the four sectors, total tier points should be 400. However in my BAEC account, the LHR-KUL sectors are listed as “ineligible flight” with zero tier points and zero Avios and the KUL-HKT sector has posted 5 tier points 102 Avios compared to the 40 tier points and 510 Avios shown on the BAEC Flight Calculator. As both the Z and C booking classes are specifically shown as earning full business class Avios, I am surprised by this. I wondered if any other readers have experienced similar problems with these Malaysian tickets. I would also be interested to know of any readers who have received full tier points and Avios on these Malaysian flight plus hotel bookings as this would be useful when Ingoninto battle with BAEC.

    • Tina says:

      My son is booked in a MH Z class in June LHR/KUL/MEL return so he can retain his BA Silver status .

      I wont be happy if this happens to him.

      Who have you complained to?

      • Nick says:

        I haven’t complained yet as they only appeared on my account yesterday as ineligible. I was keen to harvest information from other readers of this blog of their experiences before approaching BAEC. I was hoping to obtain a precedent from someone who has received full tier points. If I don’t get the tier points, I will be particularly unhappy as I specifically booked this trip based on the information posted on the Head for Points website on 1st January 2017. Z and C are both listed as eligible on the BAEC website,

        • jonniiff says:

          Nick, the thing to do (which has never failed for me) is to claim the missing Avios – including the tier points – via the BA website. You should attach copies of your boarding passes to your E-mail. This has invariably worked for me and all the Avios have been credited pretty quickly!

          • Nick says:

            I did use the BA claim website and then received an email saying the flights were now listed – but then when I logged in I found the flight listed but labelled ineligible for Avios and tier points

    • Crafty says:

      Same route but economy class – same outcome and told firmly after raising this with them that the flights are ineligible. Not a very customer friendly experience as letter codes are meaningless to 99% of the population.

    • jonniiff says:

      I’ve done the very same sectors many times, although, living in Phuket, they’ve been in reverse order. I too have the same problem every trip, in that only the first sector gets credited with Avios. I E-mail BA with copies of all four boarding passes, following which BA offers an apology and credits all the Avios that are due. Suggest you try the same – good luck!

      • Nick says:

        Thank you Joniiff – did your flights points just fail to post or was the flight listed but shown as ineligible flight?

        • jonniiff says:

          Nick – I did the four sectors, HKT-KUL//KUL-LHR//LHR-KUL//KUL-HKT, with, initially, on each and every occasion, only the first sector (HKT-KUL) being credited with Avios (incl. the tier points). On claiming via the BA website, I am rejected every time, but, on complaining and sending copies of boarding passes, all sectors were subsequently credited with the requisite Avios. This has been the experience every time I’ve travelled this route (and I’ve now done it quite a few times!). My thinking is that the PNR ref., which is effectively the same for all of the sectors, is recognised by the ‘system’ only in respect of the first sector. Bringing it to BA’s attention has worked for me every time. Best of luck!

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