Lloyds Bank Rewards Credit Card

Avios Rewards Credit Card Account

     

    Benefits

    • No Foreign Transaction Fees (typically 2.95% when using your card abroad).
    • Collect a flight upgrade voucher when you spend £7,000 in one year.
    • Collect Avios 5 times faster with 1.25 Avios for every £1 of eligible spend on the Lloyds Bank Avios Rewards American Express® Card.
    • Collect 1.25 Avios for every £5 of eligible spend on the Lloyds Bank Avios Rewards MasterCard® in over 33 million MasterCard locations around the world.
    • Collect double Avios on eligible spend for the first 6 months on your American Express Card (Terms and conditions apply)
    • 0% interest on purchases – For 16 months after opening your account, get 0% interest on purchases made when you stay within your credit limit and make your monthly payments on time.
    • 0% interest on balance transfers – For 18 months after opening your account, get 0% interest on balance transfers made in the first 90 days (a minimum transfer of £100 and a 3% balance transfer fee applies).
    • You'll also collect 1.25 bonus Avios for every whole £5 of a balance transfer you transfer from a single provider.
    • Monthly spend – Best value for those with at least £350 a month of everyday spend.

    The features and benefits shown on this page apply only to Avios Rewards Credit Card accounts opened after 3rd November 2013.

    Representative example

    • Purchase rate18.94% p.a.(variable)
    • Representative23.7% APR(variable)
    • Based on borrowing £1,200 over 12 months
    • With an annual fee of £24Credit limits and interest rates will vary based on your individual circumstances.

      Important Information

    • Eligible spend does not include cash withdrawals, interest, fees or charges, transactions at casinos, betting outlets or bookmakers, or payments to offline or online current, savings, sharetrading, spread betting, gambling, any other similar account, or fraudulent transactions.
    • Credit available subject to status, to UK residents aged 18 or over. You can transfer balances to us (£100 minimum) from most credit cards and some store cards, excluding other Lloyds Bank products. All promotional rates apply from the date we open your account. You must pay at least the minimum payment by the due date each month and stay within your credit limit to keep promotional rates.
    • It’s good to know where you stand. View our Terms & Conditions and download the summary box for an overview of all the key credit card features of the Lloyds Bank Avios Rewards Credit Card Account.

      Your APR explained

    We treat all our customers on an individual basis. The APR and interest rates we offer are
    determined by the details you supply, along with an independent verification of your credit and
    repayment history.

    Our representative rate of 23.7% APR (variable) is what most customers, at least 51%, will receive
    when they apply for the Avios Rewards Credit Card Account. Other customers will receive either:

    • a rate of 26.9% APR (variable) and 0% interest for the first 18 months on balances transferred in the first 90 days; or
    • a rate of 31.1% APR (variable) and 0% interest for the first 18 months on balances transferred in the first 90 days.

    All customers will also get 0% interest for the first 16 months on purchases.

    Turn everyday spending into travel rewards and more

    Collect Avios at home and abroad. With two credit cards you have the flexibility to collect Avios as fast as possible – carry both when you shop to benefit from great collection rates and worldwide acceptance.

    Every time you use your Lloyds Bank Avios Rewards Credit Card Account to make eligible purchases1, you’ll collect Avios – which you can use for flights, hotels around the world, car hire, days out with the family and much more.

    You get more flexibility with two credit cards. All with the ease of one statement, one balance and one credit limit.

    Avios

    With Avios, the world’s all yours. Flights, holidays, days out – collect as you shop and turn your Avios into an adventure.

    Simply use your cards for all the things you usually buy, from your weekly shop to a leisurely lunch, and you’ll collect Avios on all your eligible spending1.

    To find more about rewards, visit the Avios site.

    Collecting Avios

    As an example, if you were to spend an average of £180 per week on your Avios Rewards American Express Credit Card on eligible purchases1 (fuel: £40, supermarket shopping: £80, household bills: £35, other expenses: £25), you’d collect 11,700 Avios every year.

    That’s enough Avios for a great day out or a return flight to places like Nice or Berlin. So you’ll just pay £35pp return (and Avios will cover your airline taxes, fees and charges).

    Here are some more examples of Avios rewards:

    Avios Reward
    3,000
    Health club day pass for two
    4,500 Paintball or Traditional afternoon tea for two
    7,000 The Favourites Six wine case
    7,000 West End theatre ticket (silver)
    9,000
    + airline taxes, fees and Carrier charges (or 9,000 + £35pp if it’s a Reward Flight Saver)
    A return flight to destinations like Nice, Amsterdam and Berlin3

    Prices are correct at the time of publication but may be subject to change or withdrawal. Taxes, fees and carrier charges and the price quoted for Reward Flight Saver may also be subject to change.  Examples are based on British Airways flights from London other routes may be available from regional airports but may be indirect and require a stopover please enquire at the time of booking.  All bookings are subject to Avios terms and conditions, the carriers conditions of carriage and are strictly subject to availability which may be very limited or not available on some routes at certain times especially during peak periods.

    3These flight examples are based on a Reward Flight Saver – that means you pay the Avios fare + £35pp return (and Avios will cover your airline taxes, fees and carrier charges). Reward Flight Saver is for Regular Collectors, that’s members who have collected at least one Avios in the preceding 12 months. If you do not qualify for Reward Flight Saver, airline taxes, fees and carrier charges apply. Available in economy class, Zones 1-3 on British Airways marketed and operated flights. Some routes may have very limited or no availability at certain times. Taxes, fees and carrier charges are subject to change. The price quoted for Reward Flight Saver may also be subject to change by Avios.

    All flight bookings are strictly subject to availability, which may be very limited or not available on some routes at certain times especially during peak periods. All bookings are subject to Avios terms and conditions and the Carriers conditions of carriage.

    Upgrading with Avios Rewards

    When you spend¹ £7,000 on your Cards in a year you can upgrade two British Airways flights - two single trips or one return.

    • From Euro Traveller to Club Europe
    • From World Traveller to World Traveller Plus
    • From World Traveller Plus to Club World

    Enjoy these features:

    • Internet fraud protection

    Protection when you shop online

    Find out more

    • Lloyds Bank ClickSafe®

    A free service that gives you extra protection when you're shopping online

    Find out more

    • Register your credit card for Internet Banking

    Access your details and transactions online

    Find out more

     

    • Money Manager

    Keep track of your money across different Lloyds Bank accounts

    Find out more


    You can also add:

    • Additional cardholder

    Add a partner, family member or friend to your account

    Find out more

    Lloyds Bank is a responsible lender and we only want you to borrow what you can afford and in a way that is best for you. If you’d like to talk to us about the choices you’ve made we will be happy to refer you to a member of staff that will be able to help you. They will also be able to talk to you about your options if you’re experiencing financial difficulties.

    The issue of a credit card depends on our assessment of your circumstances. You must be 18 or over and a UK resident to apply. Terms and conditions apply to all Lloyds Bank credit cards and full details will be sent with your card.

    Information about Balance Transfers

    Balances must be transferred from non-Lloyds Banking Group credit cards or store cards within 90 days of account opening. Balance transfers are subject to your credit limit and must be of at least £100. If you don’t pay off your balance in full, any payments you make will pay off Transactions charging the highest rate of interest first, and so on down to the lowest rate of interest in the following order: Cash Withdrawals, Purchases, Balance Transfers and Cheques, followed by the default charges. (see section 6 of customer terms and conditions for further details on payment allocation).

    After the introductory period has ended balance transfers will be charged at the standard rate for purchases. Introductory balance transfer offers are available to new Lloyds Bank credit card customers only and in order to keep your promotional rate you must make your minimum payments on time each month and stay within your credit limit.

    Information about Purchases
    The interest free period on purchases is up to 56 days if the full balance is paid off by the due date on both the previous and the latest statements.

    Information about Fraud loss
    You are not liable if someone uses your card account without your or an additional cardholder’s consent. However, you and additional cardholders must take all reasonable measures to protect cards and PINs. You should never disclose your PIN, not even to Lloyds Bank staff or the police. You can give suppliers your card details (but not PINs) and won’t be liable if they misuse them. However, if you’ve given someone else your card details you are liable for all transactions unless you have told us first they are not authorised.

    To qualify for our double Avios offer simply:
     
    Successfully apply for a Lloyds Bank Avios Rewards Credit Card Account. Then;

    • Get double Avios on eligible spend on your Avios Rewards American Express credit card during the first 6 months from the date your account opens, up to a maximum £2,500 spend per month.
    • (For the purpose of this promotion, a month is classed as starting from the date your account is opened ie. if your account is opened on 4 November double points will be earned on spend of up to  £2,500 until 3 December.  This will follow the same pattern for subsequent months).

    Remember:

    • Spend on your Avios Rewards MasterCard credit card will not qualify for the double Avios promotion.
    • Eligible spend does not include balance transfers, cash withdrawals, money transfers, cheques, interest, fees or charges, transactions at casinos, betting outlets or bookmakers or payments to offline or online current, savings, sharetrading, spread betting, gambling or any other similar account.
    • To remain eligible for this promotion, you must stay within your credit limit and make at least your minimum monthly payments on time.

    Your double Avios will be calculated on a monthly basis and will be seen on your monthly credit card statement from your first statement

    Your Lloyds Bank Avios Rewards Credit Card Account is a single credit card account, with a single credit limit, operating with two credit cards, a Lloyds Bank Avios Rewards American Express® Card and a Lloyds Bank Avios Rewards MasterCard® Card.

    Lloyds Bank Avios Rewards Scheme Conditions

    These Conditions set out how you, the main cardholder named in the agreement for your Credit Card Account, may earn and use Avios under the Lloyds Bank Avios Rewards Scheme (the "Reward Scheme").  These Conditions will also be subject to the Credit Card Conditions and the Avios Conditions.

    The Lloyds Bank Avios Rewards American Express Card is issued and administered by Lloyds Bank Plc pursuant to a licence from American Express. American Express® is a registered trademark of American Express Company.

    Words used in these Conditions beginning with a capital letter are defined in the Credit Card Conditions or in these Conditions.

    DEFINITIONS:

    “Avios” means the Avios you earn for each Eligible Transaction which can be used in accordance with the Avios Conditions.

    “Avios Group” means Avios Group (AGL) Limited. Registered in England under Company No. 2260073. Registered address Astral Towers, Betts Way, London Road, Crawley, West Sussex, RH10 9XY.

    “Avios Conditions” means the agreement between you and Avios Group for the Avios Scheme.

    “Conditions” means these Lloyds Bank Avios Rewards Scheme Conditions.

    “Credit Card Account” means your Lloyds Bank Avios Rewards credit card account.

    “Credit Card Conditions” means the conditions that apply to your Credit Card Account.

    “Eligible Transaction” means a Purchase made by you or the additional cardholder or a Balance Transfer, except for Transactions within condition 3.1 below in the ‘Restrictions on the earning of Avios’ section.

    1.    HOW TO TAKE PART

    1.1.    You can participate in the Reward Scheme if:

    • you are the main cardholder under a Lloyds Bank Avios Rewards Credit Card Account agreement;
    • you are resident in the UK, Channel Islands or Isle of Man;
    • you have registered with us and opened an account with Avios Group (to whom you must supply an address in the UK, Channel Islands or Isle of Man);
    • you are 18 or over; and
    • you are a personal customer. Businesses, partnerships, clubs, and other unincorporated associations are not eligible.


    2.    HOW TO EARN AVIOS

    2.1    You will earn Avios for Eligible Transactions made by you or the additional cardholder.

    2.2    The number of Avios you earn will be calculated on the basis of your total monthly spend at the end of each statement period.  At the point we do this calculation, you will earn:

    • 1.25 Avios for every full £1 spent on Purchases which are Eligible Transactions using your Lloyds Bank Avios Rewards American Express Card; and
    • 1.25 Avios for every full £5 spent on Purchases which are Eligible Transactions using your Lloyds Bank Avios Rewards MasterCard.


    2.3    You will earn 1.25 Avios for every full £5 of a balance transferred to your Credit Card Account.

    2.4    You will only be able to spend your Avios when they have been recorded on your Avios Account in accordance with the Avios Conditions.

    2.5    Information about the Avios that you have earned for Eligible Transactions will be included on your monthly Lloyds Bank Avios Rewards Credit Card Account statement.  You may not receive a statement if you have not used your Lloyds Bank Avios Rewards Credit Card Account and the balance on your account is nil.  The statement is correct at the time of print; if you need an up-to-date account balance, please log onto your Avios account at www.avios.com/gb/en_gb/.

    2.6    You must check your monthly statement and notify us immediately if you do not agree with the amount of Avios earned for that period. If this happens we will review your account and if we find there to be a mistake with the amount of Avios we will correct it accordingly.

    2.7    You agree that we can share your personal data with Avios Group. Avios Group may use your personal data to administer your Avios account and contact you with information and offers from Avios Group and Avios scheme partners, to help you earn and redeem Avios. You will also receive statements and information from Avios Group relating to the Avios Scheme. Avios Group will use your data in accordance with their privacy policy; full details of which can be found at www.avios.com/gb/en_gb/about-us/privacy.  If you do not want to receive marketing communications, please contact Avios Group via www.avios.com/gb/en_gb/ or call Avios Group on 0844 493 3349 or write to Avios Group at PO Box 90, Birchwood, Warrington WA3 7WE.

    3.    RESTRICTION ON THE EARNING OF AVIOS

    3.1    You will not earn Avios for the following Transactions:

    • cash withdrawals;
    • interest, fees or charges;
    • transactions at casinos, betting outlets or bookmakers
    • payments to offline or online, current, savings, sharetrading, spread betting, gambling or any other similar account; or
    • fraudulent transactions.


    3.2    You will not be able to earn or redeem Avios if you become resident in any country other than the UK, the Channel Islands or Isle of Man.

    3.3    We may suspend your right to earn Avios for any serious breaches of these Conditions, the Credit Card Conditions or the conditions of any other Lloyds Bank credit card account.  

    3.4    If we credit a refund to your Credit Card Account for a Purchase or Balance Transfer we will deduct the number of Avios earned on that Purchase or Balance Transfer.

    3.5    In the event that we have to investigate whether you have made a Purchase which is an Eligible Transaction we may suspend your right to earn Avios on Eligible Transactions.

    4.    VARIATION


    4.1    We may make changes to any of these Conditions in accordance with condition 4.2 below at any time, including the following:

    • we may introduce other ways of earning Avios;
    • we may change the rate at which we award Avios; or
    • we may offer bonus Avios on special promotions. Such promotions will be subject to the terms and conditions published with each offer.


    4.2    We may make changes to these Conditions to:

    • make a change to your benefit, or not affecting your rights or obligations;
    • meet legal or regulatory requirements;
    • correct errors, omissions, inaccuracies or ambiguities;
    • reflect changes to the structure of our group;
    • cover service differences for new computer or other processes;
    • bring us into line with market practice;
    • proportionately reflect legitimate increases or reductions in the costs associated with providing the Reward Scheme; or
    • reflect changes in customer demand or requirements.

     
    If a change is to your disadvantage, we will give you 30 days’ notice in writing and you can close your Credit Card Account in accordance with the Credit Card Conditions within 60 days of us writing to you about the change (see condition 5.2 below).

    We may also make changes to these Conditions for any other valid reason not listed above, provided we give you 60 days’ notice in writing and you can close your Credit Card Account in accordance with the Credit Card Conditions within 90 days of us writing to you about the change (see condition 5.2 below).

    4.3    We may replace the Reward Scheme with a new loyalty scheme at any time in accordance with condition 4.2 above.  We will do this by giving you 30 days’ notice in writing. If a change is to your disadvantage, you can close your Credit Card Account in accordance with the Credit Card Conditions within 60 days of us writing to you about the change (see condition 5.2 below).

    5.    TERMINATION AND TRANSFER

    5.1    If you terminate these Conditions for any reason your Credit Card Account will also be closed.

    5.2    We will give you at least 30 days’ notice in writing before we end the Reward Scheme.  If we end the Reward Scheme, the Avios you have already earned will remain on your Avios Account and you will continue to be able to use your Avios in accordance with the Avios Conditions.

    5.3    We may transfer all of our rights and obligations under these Conditions without any further consent. By agreeing to the Credit Card Conditions and these Conditions you agree that we may disclose or transfer all information we hold about you to a prospective or actual new owner. Such a disclosure will not affect your rights.

    6.    THE AVIOS CONDITIONS

    6.1    You must also read the Avios Conditions which can be found at www.avios.com/gb/en_gb/.

    6.2    If there is a conflict between the Credit Card Conditions and these Conditions on the one hand and the Avios Conditions on the other, the Avios Conditions shall prevail insofar as the relevant rules affect or purport to affect the Avios Scheme.

    6.3    We will not be responsible for any losses on the occurrence of any of the following events where such events are caused by factors beyond our reasonable control:

    • delay in opening an account by Avios Group;
    • unauthorised redemption of Avios;
    • failure or delay by Avios Group or any other person to provide goods or services; or
    • loss or damage caused by goods or services supplied or requested in connection with the Avios Scheme.


    The Avios Scheme is managed by the Avios Group (AGL) Limited (Company registration number: 2260073) whose registered office is at Astral Towers, Betts Way, London Road, Crawley, West Sussex, RH10 9XY.
     

    Avios Upgrade Voucher – terms and conditions

    1.    You will earn one upgrade voucher if you spend a minimum of £7,000 on your Lloyds Bank Avios Rewards Credit Card Account in a given year. The £7,000 spend threshold excludes  cash withdrawals, interest, fees or charges, transactions at casinos, betting outlets or bookmakers, payments to offline or online, current, savings, sharetrading, spread betting, gambling or any other similar account, or fraudulent transactions.

    2.    For the purposes of the £7,000 yearly threshold that you must meet to earn an Upgrade voucher, the first year runs for 12 months from the date on which you opened your Credit Card Account. Each subsequent year runs to the next anniversary of that date.  Once the Upgrade voucher has been issued, you will have to await the anniversary of the Credit Card Account before the amount you spend is used as qualifying spend towards your next voucher. Upgrade vouchers are limited to one per year.

    3.    You will be notified if you have qualified for an upgrade voucher by letter prior to the voucher being awarded to your account.

    4.    New bookings made using the upgrade voucher must be booked online at www.avios.com/gb/en_gb/.  Customers wishing to use the voucher to upgrade an eligible existing booking can do so by telephoning 0844 4933399. Calls cost 5.2p per minute plus a 13.1p one off connection charge from BT unlimited weekend plan. Call costs are correct at September 2013 and subject to change by BT. Mobile and other providers may vary.

    5.    Only bookings paid for using full Avios are eligible to be upgraded using the voucher. Avios and Money bookings and bookings paid for fully in cash are excluded.

    6.    The upgrade voucher will be valid for 12 months from the date of issue. Your booking must be made within the 12 month period, after which time the voucher will expire and will not be replaced or extended.

    7.    Upgrade vouchers can be used to upgrade either 2 one way flights or 1 return journey booked on a British Airways main line service. British Airways codeshare flights are excluded.  Flights from London City airport are excluded.

    8.    Using an upgrade voucher enables customers to upgrade their booking by one cabin class. Customers can upgrade a booking to the class above as follows:

    • from Euro Traveller to Club Europe;
    • from World Traveller to World Traveller Plus; or
    • from World Traveller Plus to Club World.

     Bookings cannot be upgraded to a First Class Cabin.

    9.    Airline taxes, fees and charges or Reward Flight Saver (RFS) cost if applicable must be paid on all tickets booked.  Customers who upgrade their journey using the upgrade voucher will have to pay the increase in airline taxes, fees and charges or increased RFS cost applicable to the cabin that the customer upgrades to.

    10.    RFS is available to Avios members who have earned 1 Avios in the preceding 12 months and who book a British Airways flight to a destination in Avios zones 1-3. Add in: To find out more about RFS, including the cost, please look at the information on Avios at www.avios.com/gb/en_gb/.

    11.    The cardholder must travel on any booking made using an upgrade voucher.

    12.    Customers who have an eligible existing booking made with Avios may use the upgrade voucher if applicable.
    13.    Upgrade vouchers cannot be used in conjunction with any other offer and are non-transferable and non-refundable.

    14.    Bookings made using an upgrade voucher are subject to Avios terms and conditions and are strictly subject to availability which may be very limited or not available on some routes at certain times especially during peak periods.

    15.    Neither Lloyds Bank nor Avios Group (AGL) Limited can guarantee you will be able to use an upgrade voucher on a particular flight.

    16.    Avios Group (AGL) Limited reserves the right to withdraw or amend this offer upon providing reasonable notice.

    17.    Avios Group (AGL) Limited cannot accept responsibility for problems arising from computer malfunctions, viruses, bugs or other such causes which may prevent you from taking advantage of this offer.

    To apply for a Lloyds Bank Avios Reward Credit Card Account you must be:

    • Aged 18 years or over
    • A UK resident (with a UK registered address)
    • Free of any county court judgments

    What you’ll need when you apply for a credit card

    • Your bank account number and sort code
    • Your present address in the UK (or addresses for the last 3 years)
    • Details of any balances you want to transfer

    In most cases you will get an instant decision on your application. If you have any questions about the Lloyds Bank Avios Rewards Credit Card Account features and benefits you can call us on 0845 606 2175. Lines are open 24/7.

      Apply now

    • If you're successful your new card will arrive in 7 days
    • Our form is completely secure and we won't share your information with anyone else.
    • To ensure your details are safe we'll clear your application if you're away for 10 minutes or more.

     

     

     

     

     

     

     

     

     

     

    See how many Avios you could collect and how far they'll take you.

    Avios calculatorAvios calculator (opens in a new window)

    Why not try…

    Our Premier Avios Rewards Credit Card Account.