Collect Avios and turn your everyday spending into travel rewards
From flight upgrades to health club day passes and days out, the more you use your Avios Rewards credit card account, the higher the rewards you collect with the Avios Travel Rewards Programme.
Use your Avios Rewards American Express® card and you’ll also get double Avios for 6 months after opening your account, up to a maximum of £2,500 of eligible spend each month.
Pay no foreign transaction fees when using your card abroad, instead of the standard 2.95%.
Most successful applicants will get:
Credit limits and interest rates vary based on your individual circumstances.
Most successful applicants will receive the representative rate of 23.7% APR (variable).
This account comes with two credit cards: an Avios Rewards American Express® card and an Avios Rewards MasterCard®.
The Avios Rewards American Express card lets you collect Avios at a rate of 1.25 for every £1 of eligible spend you make.
The Avios Rewards MasterCard lets you collect Avios at a rate of 1.25 for every £5 of eligible spend you make.
Collect double Avios for the first 6 months from account opening when using your Avios Rewards American Express card, up to a maximum eligible spend of £2,500 per month.
Pay no foreign transaction fees (typically 2.95% when using your card abroad).
Collect flight upgrade vouchers with a minimum of £7,000 of eligible spend made within a single year.
The interest free period on purchases is 12 months from the date your account is opened.
Pay 0% interest for 28 months from opening your account on balance transfers made within 90 days. A 3% balance transfer fee applies.
You’ll also receive 1.25 Avios for every £5 of your balance transfer made from a single provider.
Take advantage of offers and benefits on travel, shopping and dining with your Avios Rewards American Express card.
This account will mainly benefit people who spend around £350 or more per month on their credit card.
You may be eligible to apply for this card even if you already have a credit card with Lloyds Bank (conditions apply).
If you don't quality for the lowest rate, you'll get a higher APR, either 26.9% (variable) or 31.1% (variable), depending on your circumstances.
There is an annual fee of £24.
The double Avios offer only applies to the Avios Rewards American Express card and not the Avios Rewards MasterCard, for 6 months from account opening.
To keep your promotional offers, you must stay within your credit limit and make your minimum monthly repayments on time.
You will not collect Avios for: cash withdrawals, interest, fees or charges, transactions at casinos, betting outlets or bookmakers, payments to offline or online current accounts, savings, share-trading, spread-betting, gambling, any other similar account or fraudulent transactions.
You can transfer balances to us (£100 minimum) from most credit cards and some store cards, excluding other Lloyds Bank products.
The Avios Travel Rewards Programme turns your everyday spending into flights, experiences, and other great travel rewards.
Use your Avios to fly worldwide. Your Avios will help you explore the world with scheduled flights on British Airways, Iberia, and Flybe. You can choose your seat, check in luggage, and enjoy complimentary food and drink. For example, with up to 9,000 Avios (plus airline taxes, fees, and carrier charges) you can get a return flight to destinations like Nice, Amsterdam, and Berlin. You can also use Avios to part-pay for flights.
Of course. As well as flying, you can also spend your Avios on a range of other rewards: Eurostar tickets, hotel bookings, car hire, holidays and cruises, activity days, and even wine and beer cases. Here are just a few examples:
Yes. With £7,000 of eligible spend in one year, you can upgrade either:
British Airways codeshare flights are excluded. Flights from London City Airport are excluded. Upgrade from:
The year begins from the date your Avios Rewards credit card account is opened, and each subsequent year starts on that anniversary.
Use your Avios Rewards American Express card or your Avios Rewards MasterCard every time you shop to collect Avios. Collect 1.25 Avios for every £1 you spend on your Avios Rewards American Express card, and 1.25 Avios for every £5 you spend on your Avios Rewards MasterCard.
Find out how many Avios you could get in a year with our handy Avios Rewards calculator.
Most things you can spend on your credit card will enable you to collect Avios. However, you will not collect Avios for: cash withdrawals, interest, fees or charges, transactions at casinos, betting outlets or bookmakers, payments to offline or online current accounts, savings, share-trading, spread-betting, gambling, any other similar account, or fraudulent transactions.
Find out more about the programme, the rewards available and how to spend them on the Avios website.
Unlike some other credit card accounts, with the Avios Rewards credit card account you get 2 credit cards: an Avios Rewards American Express card and an Avios Rewards MasterCard.
This credit card account has an annual fee of £24.
Outside of introductory promotional periods, the interest you pay on transferred balances, cash withdrawals, and purchases is 18.94% (variable) if you qualify for the lowest rate and either 21.94% (variable) or 25.95% (variable) if you do not.
Outside of introductory promotional periods, the interest free period on purchases is up to 56 days if the full balance is paid off by the due date on both your previous and latest statement.
The fee for balance transfers is 3%.
The fee for cash withdrawals is 3% or £3, whichever is the biggest.
The fee for foreign currency transactions is 0%.
Your monthly payments will pay off transactions with the highest interest rate first, in this order: cash withdrawals, purchases, balance transfers and cheques, followed by the default charges.
As this account comes with 2 cards, all the above rates, fees, and charges apply to total spending on both cards.
You can view or print a PDF summary (119 kB) of this credit card's key facts and figures. You’ll receive full terms and conditions, as well as the complete details of this credit card, when we send your card.
Lloyds Bank is a responsible lender, and we only want you to borrow what you can afford, in a way that is best for you. The outcome of your credit card application depends on our assessment of your circumstances.
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.
You won’t have to pay us for any unauthorised postal, telephone or internet transactions made by someone other than you or an additional cardholder. However, you and additional cardholders must take all reasonable measures to protect your 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.
Credit card enquiries 0345 606 2172 (+44 1702 278 272 from outside the UK)
Activation 0800 389 1558 (+44 2074 812 548 from outside the UK)
Balance transfers 0345 606 2172 (+44 1702 278 272 from outside the UK)
These lines are available 24/7.
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