Lloyds Choice Rewards credit card being closed to existing cardholders

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Lloyds Bank announced last week that its existing ‘two pack’ Lloyds Duo Avios and Lloyds Avios Rewards cards are being closed.  You can read about that here and here.

Lloyds is also closing the Lloyds Choice Rewards credit card.

This was an interesting hybrid card.  It was a half-hearted attempt to create a card along the lines of American Express Membership Rewards.  You earn points on your spending which could be transferred to Avios BUT could also be used for High Street shopping vouchers and a range of other rewards.

The earning rate if you transferred to Avios was poor, however, which is why very few Head for Points readers took one out.

It is no surprise that the card is closing because it was another ‘two pack’ product which included an American Express element.  What IS a surprise is that Lloyds Choice Rewards cardholders are being moved to the Lloyds Avios Rewards credit card.

This seems odd to me.  If Lloyds Choice Rewards cardholders were serious about earning Avios, they would have taken out a Lloyds Avios Rewards card in the first place!  If I were Lloyds I would have moved them to a generic card with no rewards, or at least given them the option.  What will happen now is that a lot of people who have no interest in Avios will start earning them, with many of the points presumably doomed to expire unused.

If you have a Choice Rewards card, you have four months from the day you receive your letter from Lloyds to spend your points balance.  Any unused points will be foreited in return for a cash payment.

You can find out more on the Lloyds website here.

(Want to earn more miles and points from credit cards?  Click here to visit our dedicated airline and hotel travel credit cards page or use the ‘Credit Cards Update’ link in the menu bar at the top of the page.)

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  1. Lady London says:

    Hey Rob not sure why the link to Virgin site you provide above seems to come via a RAK route? not sure if it’s possible or advisable to adjust…?

  2. OT – Can I use Clubcard vouchers for Uber Credit and use it overseas? Not used Uber before and just wondering if it is worth signing up before a holiday next week.

    • No, UK only.


      Can’t use UK credit outside UK.

      The app works worldwide wherever Uber is based….make sure the credit card is a 0% FX card linked to Uber if you are gonna use.

      If going to the USA also consider using LYFT having googled a sign up bonus code…

  3. Good news – self-referral Amex MR points seem to have posted today on my Plat (I say ‘seem’ as I’ve also suggested it to a couple of friends but don’t know if they took up the referral or not! – not the easiest thing to track…)

    • I did a self referral on hubby’s Plat card for SPG 2 days ago – no decision yet!

      • I had no decision then rejection on mine – called and successfully transferred chunk of credit limit from existing card 🙂

  4. Off topic but was in LGW clubhouse last week and got 30k sign up bonus (no min spend) on the black card.

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