There were many reports on Head for Points yesterday, in the comments, from readers who have seen fake transactions appearing on their Lloyds Avios Rewards credit cards. It appears that there has been a major attack of card fraud on the Lloyds Avios product.
A Flyertalk poster picked up the comments on here and mentioned it on that site, and there were more reported issues.
There has been no official statement from Lloyds, it seems, which is odd. If they have been trying to keep it quiet, it is now very much out of the bag.
If you have the Lloyds Avios credit cards, I strongly suggest you check your online statement immediately for potential fraudulent transactions.
Here are a few of the comments:
Via HfP readers:
“About a week ago my wife’s Lloyds Avios Amex card was used fraudulently by someone over in New York for a few different things so we called Lloyds to talk about this and get the card cancelled and a replacement sent out. Logged into her account yesterday to find that my supplementary Amex was also used fraudulently earlier this week, also in New York. As my card has been sitting in a drawer at home and my wife’s has been in her purse the whole time, certainly haven’t been nicked and cloned or anything like that.
When speaking to Lloyds last night, they said that they were currently getting thousands of calls a day as they were seeing a lot of fraud on specifically the Amex cards people had, with the vast majority of the activity being contactless transactions in the US (the one on my card was for $100 at a drug store).
Therefore it might be worth checking your accounts in you have those cards (or perhaps others) and haven’t done so recently just to make sure nothing dodgy going on. The guy we spoke to said that clearly there had been some issue somewhere but given the large quantity of it going on, it was clearly an issue somewhere else and not with us – slightly happy but obviously also concerning there’s a significant issue somewhere else in the system! Certainly explains why it took 25 minutes to get through to their fraud team…”
“I also had two cases of fraud on my Lloyds Amex in the US. Taken off no problem but annoying.”
“I got a text from Lloyds over the weekend asking if I was trying to pay for something in Albertson? As I’d never heard of the place I texted back no. Checked my account and there were six transactions all in New York State I didn’t recognise. Two in Office Depot, one in Babiesrus. Called Lloyds and all removed no problem but it did make me wonder how the card had been cloned, I really use it infrequently.”
“I had to ring them last night as I had a fraudulent transaction appear in my pending transactions. They need to wait until it clears to refund it. Apparently there were a few more attempts that were declined. It does look like there has been a serious breach of security somewhere.”
“I have the Lloyds Amex and mine was also used fraudulently in the USA last week! Very annoying as I’m out of the UK in Japan and Australia for a month and was planning to use it a lot!”
“My Lloyds Amex was used fraudulently to pay some car parking charges in the US. I think there is a huge data breach here with Lloyds – just hope they only lost card numbers and not all of our personal information. I spent two hours on the phone with Lloyds this week trying to sort it, they were blaming Amex for it, until I said I’d call Amex directly and ask, then they changed their mind.”
Via Flyertalk readers:
“Lloyds blocked my Amex card, but didn’t tell me about it until I rang them up.”
“Just adding a “Me Too” – the pattern seems to be US-based transactions within the last week or so, usually totalling no more than a couple of hundred dollars. Given how many of us seem to have fallen victim at the same time, this seems like a massive data breach at either Lloyds or Amex…”
“Last weekend I tried to use the Avios Mastercard and it didn’t work, but the Amex worked at another store 10 mins later so I thought maybe the merchant had a broken card machine. Then I tried to use it 2 days ago and it didn’t work. I called Lloyds and they said they saw fraud and wanted to cancel the Amex but not the Mastercard! They said it was ‘some paypal partner’ that put a charge on the card and it got rejected. ( again nothing suspicious on my statement). When I said that I heard other card members were also affected, they said ‘we do not know about that.’ By this time I had had enough and told them to cancel and reissue both Avios cards, they are on the way to the address, so should get them soon (can already see them on internet banking).”
“This happened to me too. I’ve never used my Lloyds Amex card – I only use the Mastercard as I have a BA Amex card. Phoning them up cleared things up, but I had to wait on hold for 40 minutes to get through. Two transactions on my statement: Toys ‘R’ Us and Best Buy, and both were in-store with a magnetic stripe. Impressive seeing as the card has never left my house since it came out of its envelope. This must be a hack or an internal security breach that they’ve not made public.”
As I said above, you should take a couple of minutes today to check your online statement and ensure that there is no evidence of card fraud on your Lloyds Avios Rewards credit card.
Want to earn more points from credit cards? – September 2022 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:
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.
EDIT: Until 25th October 2022, there is an exceptionally generous sign-up bonus on The Platinum Card. You will receive 60,000 Membership Rewards points – double the usual amount – and £200 to spend at Amex Travel. You need to spend £6,000 within six months to earn the bonus.
British Airways American Express Premium Plus
25,000 Avios and the UK’s most valuable card perk – the 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 & two airport lounge passes Read our full review
The Platinum Card from American Express
60,000 points, £200 travel credit and an unbeatable set of travel benefits – for a fee Read our full review
Virgin Atlantic Reward+ Mastercard
15,000 points bonus 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:
American Express Business Platinum
40,000 points sign-up bonus and a long list of travel benefits Read our full review
American Express Business Gold
20,000 points sign-up bonus and free for a year Read our full review
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
Capital On Tap Business Rewards Visa
50,000 points bonus until 2nd October – the most generous Avios Visa for a limited company 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.