Choice Rewards scheme terms and conditions

 

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

LLOYDS BANK CHOICE REWARDS SCHEME CONDITIONS

These Lloyds Bank Choice Rewards Scheme conditions (“Conditions”) set out how you, the main cardholder named in the agreement, may earn and use Choice Points with your Lloyds Bank Choice Rewards Credit Card Account (your “Credit Card Account”), under our Lloyds Bank Choice Rewards Scheme (the "Reward Scheme").

The Lloyds Bank Choice 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 these Conditions or in the Lloyds Bank Choice Rewards credit card conditions (the "Credit Card Conditions") which apply to your Credit Card Account.

Amazon.co.uk is not a sponsor of this Programme. For complete gift certificate terms and conditions, see www.amazon.co.uk/gc-legal. All Amazon ®, ™ & © are IP of Amazon.com, Inc. or its affiliates.

OTHER DEFINITIONS

'Avios' are points that you earn under a scheme managed by Avios Group. You can convert Choice Points to Avios.

‘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.

‘Cashback’ refers to one of the Rewards. When you Redeem the required number of Choice Points, credit will be applied to your account and will be shown on your next credit card monthly statement. The credit cannot be used against your minimum monthly payment.

‘Choice Points’ means the points you earn for Eligible Transactions which can be exchanged for Rewards in accordance with these Conditions.

‘Eligible Transaction’ means a Purchase made by you or the additional cardholder or a Balance Transfer, except for Transactions described in condition 3.1 below in the ‘Restrictions on the earning and use of Choice points’ section.

‘Redeem’ means use your Choice Points to obtain a Reward from the range of available Rewards, as described in condition 4.1 below.

'Reward' means goods or services supplied by us or one of our Suppliers when you Redeem the required number of Choice Points.

'Supplier' means a third party selected by us to supply Rewards pursuant to the Reward Scheme.

1. HOW TO TAKE PART

1.1 You can participate in the Reward Scheme if:

  • you are the main cardholder under a Lloyds Bank Choice Rewards Credit Card agreement;
  • you are resident and can supply an address in the UK, Channel Islands or Isle of Man for participation in the Reward Scheme;
  • you are 18 or over; and
  • you are a personal customer. Businesses, partnerships, clubs, and other unincorporated associations are not eligible.

1.2 By using your Credit Card Account you accept these Conditions, which apply in addition to the Credit Card Conditions.

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

  • loss or damage caused by goods or services supplied or requested in connection with the Reward Scheme;
  • failure or delay by any Supplier to provide goods and services; or
  • unauthorised redemption of Avios or Choice Points.

1.4 For details of your Choice Points and how to spend them, look on www.lloydsbank.com, log onto Lloyds Bank internet banking or telephone us on 0345 606 2177.

1.5 We will not accept any responsibility for the loss or theft of any voucher provided to you when you Redeem Choice Points, or for a Supplier refusing to or being unable to honour a voucher.

2. HOW TO EARN CHOICE POINTS

2.1 You can earn Choice Points for Eligible Transactions made by you or the additional cardholder.

2.2 You will only earn Choice Points when an Eligible Transaction has been processed on your account.

2.3 The number of Choice Points 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:

  • 10 Choice Points for every full £1 spent on Purchases which are Eligible Transactions using your Lloyds Bank Choice Rewards American Express Card; and
  • 10 Choice Points for every full £5 spent on Purchases which are Eligible Transactions using your Lloyds Bank Choice Rewards Mastercard.

2.4 You will earn 10 Choice Points for every full £5 of a balance transferred to your Credit Card Account.

2.5 Information on Choice Points earned will be shown on your monthly Lloyds Bank Choice Rewards Credit Card statement. You may not receive a statement if you have not used your Lloyds Bank Choice Rewards Credit Card 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 Lloyds Bank internet banking or telephone us on 0345 606 2177.

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

3. RESTRICTIONS ON THE EARNING AND USE OF CHOICE POINTS

3.1 You will not earn Choice Points 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 If we credit a refund to your Credit Card Account for a Purchase or Balance Transfer we will deduct the number of Choice Points earned on that Purchase or Balance Transfer.

3.3 In the event that we have to investigate whether you have made a Purchase which is an Eligible Transaction we may suspend your ability to earn Choice Points on Eligible Transactions.

3.4 If you become resident in any country other than the UK, Channel Islands or Isle of Man you will be able to continue earning Choice Points but you will not be able to Redeem them. You will be able to Redeem your Choice Points if you later become resident in the UK, Channel Islands or Isle of Man.

3.5 We will suspend your right to Redeem Choice Points if you fail to make payments due on your Credit Card Account for two consecutive months (please refer to the Credit Card Conditions for other consequences of a failure to make payments). If you pay off the arrears, you will be able to Redeem Choice Points again from the date of your next monthly statement. Please be aware that your right to Redeem Choice Points is dependent on you making the required payments on your Credit Card Account and under condition 7.3 below you could lose all your Choice Points if we close your Credit Card Account.

3.6 We may also suspend your right to Redeem Choice Points for any other serious breaches of these Conditions, the Credit Card Conditions or the conditions of any other Lloyds Bank credit card account.

4. HOW TO USE CHOICE POINTS

4.1 We will make available to you a range of Rewards, against which you can Redeem your Choice Points. The range of Rewards available can be found on www.lloydsbank.com.

4.2 The Rewards are provided by us or on our behalf by Suppliers. An up-to-date list of Suppliers can be found on www.lloydsbank.com, in internet banking, or by telephoning us on 0345 606 2177.

4.3 We may amend the number of Choice Points required for a Reward from time to time. We will give you 30 days’ notice if we do this.

4.4 All Reward offers are subject to availability and any other conditions that may apply. We may discontinue or replace Rewards and Suppliers from time to time without prior notice. If we change Reward categories we will give you prior notice.

4.5 Before you can Redeem your Choice Points, you must have the number of Choice Points required for the relevant Reward; you cannot make up a shortfall with a part payment in cash. Choice Points can only be Redeemed once they appear in your monthly statement.

4.6 All orders for Rewards using Choice Points will be directly between you and the Supplier unless we tell you otherwise before you commit to Redeeming the offer. The quality of the Rewards supplied to you through the Reward Scheme is the responsibility of the Supplier. For all Rewards other than Cashback we will not be a party to that contract although we will try and help resolve any problems you have with the delivery or quality of Rewards.

4.7 Rewards Redeemed with Choice Points can only be delivered to your Credit Card Account address. Delivery will be within 28 days of ordering, unless a longer time is specified. If delivery is going to take longer than 28 days, you will be informed and given an opportunity to make arrangements for substitutes or cancellation and refund.

4.8 We and our Suppliers will make every effort to ensure delivery within the stated timeframe, but we cannot be held responsible for delivery delays caused by circumstances outside our control, such as postal strikes.

4.9 Choice Points can only be used as part of the Reward Scheme.

4.10 Choice Points are non-transferable.

5. CONVERTING CHOICE POINTS TO AVIOS

5.1 Choice Points can be converted to Avios. 10 Choice Points = 1 Avios.

5.2 If you intend to convert your Choice Points to Avios, you must read and accept the Avios Scheme Conditions, which can be found at www.avios.com/gb/en_gb/. Avios conversions and the use/spending of Avios will be governed by the Avios Scheme Conditions.

5.3 If you convert your Choice Points to Avios, you will need to have an Avios membership account in order to use the Choice Points that have been converted to Avios. If you do not already have an Avios membership account, you will automatically be registered for an Avios membership account when you first apply to convert Choice Points to Avios. Avios Group will contact you when the registration process is complete. Please note the registration process may take up to 21 days to complete. If you do not receive confirmation that your Avios membership account has been opened, please telephone us on 0345 606 2177.

5.4 Once you convert Choice Points to Avios, the Avios converted will show on your next monthly Avios statement, on www.avios.com/gb/en_gb/.

5.5 Avios cannot be converted back into Choice Points once Redeemed for Avios.

5.6 If you convert your Choice Points to Avios, 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.

5.7 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.

6 VARIATION

6.1 We may make changes to any of these Conditions in accordance with condition 6.2 below at any time, including the following:

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

6.2 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 7.2 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 7.2 below).

6.3 We may replace the Reward Scheme with a new loyalty scheme at any time in accordance with condition 6.2 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 7.2 below).

7 TERMINATION AND TRANSFER

7.1 If we decide to end the Reward Scheme, we will give you at least 30 days’ notice in writing.

7.2 If you close your Credit Card Account, you will have 60 days following the date on which your Credit Card Account is closed in which you can Redeem your Choice Points for any Rewards other than Cashback, after which time you will lose any Choice Points not yet Redeemed.

7.3 If we close your Credit Card Account because of your repeated and serious breaches of these Conditions, the Credit Card Conditions or the conditions of any other Lloyds Bank credit card account, you will lose all of your Choice Points. If we close your Credit Card Account for any other reason (for example, because it is dormant), you will have 60 days following the date on which your Credit Card Account is closed in which you can Redeem your Choice Points for any Rewards other than Cashback, after which time you will lose any Choice Points not yet Redeemed.

7.4 If your Credit Card Account is closed you will no longer be able to participate in the Reward Scheme, except to the extent that you have a right under condition 7.2 or 7.3 above to Redeem Choice Points already earned for any Rewards other than Cashback. Choice Points cannot be Redeemed for Cashback after your Credit Card Account is closed under any circumstances.

7.5 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 information we hold about you to a prospective or actual new owner. Such a disclosure will not affect your rights.