Frequent flyer? Fly more frequently with extra Avios on this account
From flight upgrades to companion tickets, and theatre tickets to health club day passes, the more you use your Premier Avios Rewards credit card account, the higher the rewards you collect with the Avios Travel Rewards Programme.
Use your Premier 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 52.1% APR (variable).
This account comes with two credit cards: a Premier Avios Rewards American Express® card and a Premier Avios Rewards MasterCard®.
The Premier Avios Rewards American Express card lets you collect Avios at an enhanced rate of 1.5 for every £1 of eligible spend you make.
The Premier Avios Rewards MasterCard lets you collect Avios at an enhanced rate of 1.5 for every £5 of eligible spend you make.
Collect double Avios for the first 6 months from your account opening when using your Premier Avios Rewards American Express card, up to a maximum of £2,500 of eligible spend per month.
Pay no foreign transaction fees (typically 2.95% when using your card abroad).
The interest free period on purchases is 24 months from the date your account is opened.
Pay 0% interest for 24 months from opening your account on balance transfers made within 90 days. A balance transfer fee of 3% applies.
You’ll also receive 1.5 Avios for every £5 of your balance transfer made from a single provider.
You can also take advantage of offers and benefits on travel, shopping and dining with your Premier Avios Rewards American Express card; see our American Express Connect page for details.
This account will mainly benefit people who spend around £1,000 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).
This credit card can only be applied for online.
If you don’t qualify for the lowest rate, you’ll get a higher APR; either 56.3% (variable) or 61.8% (variable), depending on your circumstances.
There is an annual fee of £140.
The double Avios offer only applies to the Premier Avios Rewards American Express card and not the Premier 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.
The Premier Avios Rewards credit card account allows you to collect Avios up to 20% faster than the standard Avios Rewards credit card account. The Premier Avios Rewards credit card account comes with more features and benefits than the Avios Rewards credit card account, including the opportunity to bring a companion with you when you earn a companion ticket.
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:
Use your Premier Avios Rewards American Express card or your Premier Avios Rewards MasterCard every time you shop to collect Avios. Collect 1.5 Avios for every £1 you spend on your Premier Avios Rewards American Express, and 1.5 Avios for every £5 you spend on your Premier 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 Premier Avios Rewards credit card account you get 2 credit cards: a Premier Avios Rewards American Express card and a Premier Avios Rewards MasterCard.
Yes. With £12,000 of eligible spend (see ‘Avios explained’ for definitions of eligible spend) in one year, you can get a companion ticket and bring someone with you on your next flight. The year begins from the date your Premier Avios Rewards credit card account is opened, and each subsequent year starts on that anniversary. Eligible spend only begins accruing for one year from that date. You can only receive one companion ticket per year, and can only use one companion ticket per booking. Once you’ve received your companion ticket for that year, you won’t begin accumulating eligible spend until the next year rolls around.
You will be notified around four weeks after reaching the minimum eligible spend threshold. Once notified, you have 12 months to use your companion ticket. You can use it for flights or Eurostar bookings. You must book your trip fully using Avios (bookings paid partly or fully in cash are excluded).
Flights must be booked online at www.avios.com/uk. You can use your companion ticket on selected routes with British Airways, Flybe, Aer Lingus, Monarch, and Aurigny, when used in conjunction with an economy class booking (although routes and airlines are subject to change and availability). Your companion must accompany you on the flight, and must travel to the same destination as you. Airline taxes, fees, and charges apply on all tickets booked, including the companion ticket. You may be eligible for a booking with Reward Flight Saver (RFS), which offers a flat fee on taxes, fees and carrier charges. Find out more about RFS at www.avios.com.
Eurostar bookings must be made over the phone by calling 0844 4933399 (call costs vary). The companion ticket is to accompany standard-class only bookings on routes from the UK to Paris, Brussels, and Lille. Onward travel is not included. Once booked, tickets are non-changeable and non-refundable. Avios and Eurostar terms and conditions apply.
Your existing card terms, conditions and pricing will be replaced by the Premier Avios Reward credit card account terms, conditions and pricing. Some of the key changes are:
Currently we are only able to accept paper applications, so if you want to upgrade your credit card to the Premier Avios Rewards credit card account please ensure you do the following:
PO Box 12304
Once we receive your signed agreement, we'll process it as soon as we can. We’ll send you your two Premier Avios Rewards cards (one Premier Avios Rewards American Express card and one Premier Avios Rewards MasterCard) along with your welcome pack. This can take up to two weeks. In the meantime you can continue to use your existing card.
This credit card account has an annual fee of £140.
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 transaction 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.
Lost or stolen cards 0800 096 9779 (+44 1702 278 270 from outside the UK)
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.
Benefit from a great range of offers when you use your Lloyds Bank American Express Credit Card.