Maximise your Avios, air miles and hotel points

Are the Lloyds Avios Rewards credit cards now fully closed to new applicants?

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The Lloyds Avios Rewards credit cards were closed to new online applications on 1st March as we wrote here.

At the time, Lloyds told us that you could continue to apply via telephone or in a branch for a limited period.

That period appears to be over.  A reader tried to apply this week by telephone and in a branch and was rebuffed on both occasions.  Apparently it no longer even appears as an option on the branch IT system.

On the upside, as Lloyds made some in-branch applicants watch two videos on ‘how to use a credit card sensibly’ before they would process the application, this may be for the best ……

I am told, however, that we may not have seen the back of these cards for good.  How Lloyds expects to compete with a £24 Mastercard earning 0.25 Avios per £1 when Virgin Atlantic now offers a free Mastercard earning 0.75 Flying Club miles per £1 is a different question.


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 (140)

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

  • Geoff says:

    Slightly confused – you mention ‘ £24 Mastercard earning 0.25 Avios per £1’ but there is still the Amex which earns 1.25 per £1. We use it as our main overseas card for the zero FX fees (and of course the upgrade voucher).

    Incidentally, I also have an old TSB Avios Duo Amex/MC account, from the days before the split with Lloyds. Ever since the TSB IT fiasco, and semi-recovery, I note that the account is now called ‘Avios (MC)’ and referenced by the MC card number whereas before everything referred to the Amex card number. The Lloyds account is still referenced to the Amex card no.

    • Iain findlay says:

      Dear Geoff
      Which Amexcard charges no Fx fee?
      Iain

      • the_real_a says:

        He is referring to the Llyods Avios AMEX – they come as a double pack with a mastercard. Both are FX free. The AMEX comes with enhanced earnings rate of 1.25 avios per £1 spend.

    • guesswho2000 says:

      The Amex will be gone soon, American Express have cancelled their licences for co-brand cards, and there’s no benefit to anyone offering one now (as the interchange is capped), so the days are numbered. I believe this was the last one available to be applied for, since MBNA pulled all theirs last year.

  • Optimus Prime says:

    OT – let’s say you redeem a BA Amex 241 voucher with an open jaw flight such as LHR-LAX and LAS-LHR. Then you use avios or cash to book LAX-LAS and would like to fly on same date of arrival at LAX. Can you have this flight added to the 241 ticket so BA is liable in case of missed connection?

    Thanks in advance.

    • Catalan says:

      No. The LAX-LAS flight would be on a separate ticket and therefore will not be added to form a ‘thru booking’. Any delays would be the responsibility of the LAX-LAS carrier and not BA.

      • Catalan says:

        …sorry, I meant any delay to you LHR-LAX flight causing you to miss your LAX-LAS flight would be your responsibility.

        • Optimus Prime says:

          Thanks, that’s what I thought.

        • JamesB says:

          More fundamentally, LAX-LAS is impossible on a 241 as it is operated by AA not BA.

      • Callum says:

        Are they able to put it on the same ticket though? Avios.com do it for me – I’ve added extra flights onto a voucher booking to take advantage of lower taxes ex-EU (full price BIO-LHR added to an upgraded LHR-SCL).

        I think the Lloyds vouchers are processed differently to BA though.

        • Anna says:

          BA might be able to, but they won’t. They won’t even link bookings for family members on the same flight.

          • Rob says:

            They will if you are Gold, apparently, although I have never done it.

        • Sussex Bantam says:

          They do if you’re Gold – I do it whenever we use 2 * 241 vouchers so the family can travel. Means the whole party get seat selection and, apparently, will be looked after as one group should something go technical (never tested the last part).

          You have to call to do this.

  • Anonymous says:

    Partner just got the Lloyds card processed last week, must have just missed the cut off. Main question is how do they know where to send the Avios / upgrade voucher as they never asked for a BAEC number, we don’t have an Avios.com account (and it’s going to be all rolled into BAEC anyway isn’t it?). They also didn’t offer clarity on whether supplementary card spend would count towards the £7k for the voucher and also get double points (it should I feel, but would be nice to get reassurance).

    I believe the MasterCard is fairly useless unless you need to use Curve to hit the £7k target for the voucher (don’t think it even gets double points in the first six months).

    A question I have is what would be the best portfolio of cards for ~£2-£2.5k per month spend. If you have the BAPP and the Lloyds Avios card and you pull off all the little tricks and achieve £27k spend a year that is potentially two 2-4-1s and an upgrade voucher (useful for positioning flights for an ex-EU/Cairo). Is it worth replacing any of these cards for the HSBC World Elite card?

    • Darren says:

      Supplementary card counts towards the spend.

      Lloyds have never managed to send my avios anywhere, I have/had an Avios.com account and I’ll be interested to see if the changes to send them to my BAEC account will work. If you have issues with the transfer of avios, register a complaint and you should get compensation.

      • mark2 says:

        Sadly, my Lloyds account has always worked perfectly so I have received no compensation. My wife’s, however, is a different, happier, story with no Avios awarded and no statement but £850 compensation so far.

        • Darren says:

          That’s impressive, I’m only at £400.

        • Darren says:

          I’ve called to check and when they say it takes 26wks to sort it out (yes weeks) tell them that you’d like to complain. The compensation is given so that you accept that it may take some time to sort it out and the complaint is closed. I believe that there are financial legalities involved, I just accept the comp.

          You may not have an issue, the transfer to BAEC may work fine.

      • Anna says:

        Yes, keep on at them. This year I’ve had £350 compensation, 12,000 extras avios and 3 upgrade vouchers!

        • Boi says:

          I have had a £100 cheque and an apology from Lloyd’s about delay in processing my Avios properly. My Lloyd’s card was cancelled over a year ago, I had no outstanding issues. This was just random

  • FormalHall says:

    Has everyone had their avios credited yet following the years of technical difficulties with the Lloyds cards? After two years and £300 of compensation, I have received a letter saying all avios are credited, and on my avios statement its says they were credited in 2016 – but I am certain I never received them (otherwise why did they pay the compensation?). When I rang about the 4500 refer a friend bonus I am still owed, Lloyds said I would have to call avios!

    • Darren says:

      No, still receiving compensation.

    • mark2 says:

      Amazingly my wife just received 405 Avios for Mastercard spend; the first (automatically) since she took out the card several years ago.

  • Kevin says:

    Nice trip report. Glad you enjoyed the prize.

    I did the a380 DOH to CDG last month (business was full) and liked the bar a lot. The snacks in glasses (things like salmon and soba noodles or cheesecake) were very good.

    • Graeme says:

      Well done, Lee, good to hear you had such a great time!

      • Lee says:

        Thanks, Graeme. Great flights and a great trip, all very good!

    • Lee says:

      Thanks, Kevin. Yes, the bar, snacks, and drinks are all very good!

  • Andrew says:

    I thought it was just me this morning . I typed my message then clicked submit , but nothing posted.
    Also, when I post Rob, I receive an error message to say I am making multiple postings and need to slow down !

  • Hugh says:

    OT: I assume that there is no bonus running at the moment for adding a supplementary card holder to a BAPP card?

    • RichS says:

      I got the bonus this week for adding my wife, I waited until targeted link appeared in the app. I screen shot it in case the avios didn’t appear, although seems no need as points already credited (card not yet arrived).

  • mark2 says:

    I got 3,000 for adding my wife in the last few weeks. Not everything is advertised.

    • Hugh says:

      Interesting! Any idea how long you had to wait for the offer to appear? My newly churned card arrived this morning.

      It will be a bit harder to hit the spend target with just one card but it would also be good to get the bonus!

      • mark2 says:

        As I said ‘Not everything is advertised’. No offer appeared; I left it a week or so and just applied.

        • Hugh says:

          Thanks. I will leave it a couple of weeks and do the same!

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