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.


Want to earn more points from credit cards? – April 2024 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current 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

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

British Airways American Express Premium Plus

25,000 Avios and the famous annual 2-4-1 voucher Read our full review

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

Virgin Atlantic Reward+ Mastercard

15,000 bonus points and 1.5 points for every £1 you spend Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers:

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

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

Capital on Tap Business Rewards Visa

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

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending.

Barclaycard Select Cashback Business Credit Card

1% cashback uncapped* on all your business spending (T&C apply) Read our full review

Comments (168)

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

  • Dominic says:

    My experience of this card was utterly bizarre. I took it out about 3 years ago before I moved to the USA. I achieved the welcome bonus on offer at the time, and didn’t use it for several months thereafter. Then I got a letter saying the account was being closed – about which I didn’t really care, and let it happen without any complaint.

    Well over a year later, during which time I had no statements, and during which I supposed my account was closed, and having moved to the USA, the new occupier of my house forwarded to me a brand new card on this supposedly closed account. On my next visit to England I took it into a Lloyds branch, where the staff were bemused!

  • Rob says:

    I have just called Lloyds and they have been utterly useless.

    Refused to discuss this with me and said it was Avios’s problem; they aren’t responsible for the crediting of points to the account. The guy didn’t even look at my case until I threatened closing the account and referring it to the ombudsman. Sat on hold for about 10 minutes while he contacted Avios and then he basically gave me a number for the Lloyds “Loyalty Team” (who were closed today due to the bank holiday.) Their number is 03456062177 if anyone wants to bypass banging their head against a brick wall with their primary customer services team.

    Not a good start to my quest for Avios; probably gonna shut the account soon if it carries on like this

  • Jay says:

    Well, I went through the same pain for month. In the end, I had to go to the Ombudsman. As soon as they were involved, Lloyds were all over me like a rash. Soon received six months of backdated Avios & Comp for the hassle.

    Ombudsman knows this is an issue for Lloyds and it must be costing them a lot of money each time a case goes to the Ombudsman yet they continue to advertise and sell a product they are obviously having troubles with.

  • Nick_C says:

    Well I think the problems with Lloyds points getting across to Avios are another reason for applying for the card. I got the cards at the start of January. The points for the first 3 months reached my Avios account in April. I’ve received my £125 compensation (plus £6 for phone calls).

    I’ve been using the Lloyds cards to pay for an upcoming expensive holiday in the US. I will earn at least 10,000 Avios on my foreign spending in the first six months, with no forex loading fee and two years interest free credit. The 2.5 avios to the pound on UK spending will give me at least 1000 Avios more than I would have earned on by BAPP card.

    I made a formal complaint after being told it could take up to 12 weeks to sort out the Avios, saying truthfully) that I needed these Avios to book a redemption. TBH, I’ve not been inconvenienced in any way, apart from maybe spending 20 minutes on the phone.

  • Kevin says:

    You couldn’t make it up – the on-line complaint form has a “technical error” and is not forwarding the complaints!!
    Priceless

    • goran says:

      Hi Kevin,
      I went through the same issues with “secure form”… after finished typing and stupidly not copying text i got message there is a “technical error”…. so i had to do it all over again and this time i have sent it to OnlineComplaints@lloydsbank.co.uk email address and guess what I was called by member of staff today (less than 12 hours after email was sent)… I was offered compensation plus refund for card fee… and promise that my Avios will eventually get transferred. Don’t give up 😉

  • Gio says:

    So just been on the phone to a very helpful member of staff, 11k-ish points to be manually transferred backdated and £150 compensation in 48h supposedly. I was told they expect this to be resolved in the next 26(!) weeks. Apparently when it is all fixed, all the missing points will come through at once including the 11,000 that were missing and have been manually added anyway. Result!

  • Vivian says:

    Took out the card in March, have had two statements so far but hadn’t seen any points on Avios.com.

    Just called 0345 606 2177. It took 41 minutes (mainly me being on hold whilst the Lloyds staff trying to get hold of someone at Avios) to find out that it was because Lloyds had opened a new Avios account for me rather using the one I had quoted in my credit card application. Once the problem was identified, Avios had merged the two accounts and immediately I see the missing points in my account.

  • Jan says:

    I had a slight problem with receiving Avios at first but it was fixed easily enough. It turned out that the application process had created a new Avios account for me (without me knowing), even though I already had one. I think they were able to fix that in less than a week. It might be a problem affecting other readers as well!

    Jan

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

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