Lloyds | Avios Rewards credit card

APR: 23.7% Representative
Intro purchase rate: 0% for 29 months
Purchase rate: 18.94%
OPTIOSCORE 49/100 
Balance transfers: 0% for 29 months
Balance transfer fee: 3%
Features: Air miles
Lloyds | Avios Rewards credit card customer reviews

3.4 out of 5 from 56 customer reviews

Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so when borrowing £1,200 with an annual account fee of £24, the Representative APR will be 23.70% (variable).

Contact Lloyds

Lloyds | Avios Rewards credit card customer reviews

3.4 out of 5 from 56 reviews

Good products!

19:10 23-07-2017

via Choose Wisely

Good cards with no problems. Points credited on time each month. Cards very useful for abroad as no foreign exchange fee. We often use avios for Club Europe flights and if you are able to book well ahead and can be flexible, plenty of reward seats available. If you are a big spender and clear balance every month these cards are worth using.

Alan Mock

Flights for nothing

15:14 30-06-2017

via Smart Money People

My normal every-day spending paid for business class flights to Stockholm and back for me and my wife. A pretty good reward for effectively doing nothing!

Leigh A Collins

Great rewards scheme!

13:30 29-06-2017

via Smart Money People

I signed up for this credit card as I needed the flexibility of having one, having not had one before. The Avios points appealed massively to me as I love to travel and by simply transferring my normal spend to the credit card, I have received enough points to pay for flights to Berlin for a Christmas trip. Signing up was simple and flexibility to increase or decrease the credit limit whenever I like is hugely beneficial.

Ed Goodall

Fine

18:41 22-06-2017

via Smart Money People

Do not take out this credit card if you think you'll earn free flights etc with avios. I've found redeeming my avios points to be not very straightforward and the flight upgrade vouchers are basically useless (only certain flights, booked via avios...) lloyds themselves are fine. I've had no issues with it. Customer service also good on the one or two occasions I've called. Alerting them you are going abroad via the app is great (usually done whilst in the airport!)

Anne-Marie Coughlan

Interest rate rises

15:56 07-06-2017

via Smart Money People

Lloyds will put up your interest rate on your credit card without any notice. Even though they are offering good deals for new accounts or credit card transfers. Once. Your in though don't be surprised if your rate changes.

Anonymous

Interest rate rises

15:35 07-06-2017

via Smart Money People

Lloyds will put up your interest rate on your credit card without any notice. Even though they are offering good deals for new accounts or credit card transfers. Once. Your in though don't be surprised if your rate changes.

Anonymous

Great service

14:26 05-06-2017

via Smart Money People

Always had great service from Lloyds in all services interactions.

Lin Martin

Good for avios but service needs work

09:19 01-06-2017

via Smart Money People

The avios ratio is good - particularly when you use American Express. The upgrade voucher is a nice idea but you need to pay for the entire flight with avios, so it's not as good as it seems. My avios took a long time to come into my account and I had to chase Lloyds more than once. My partner had the same experience so they need to work on that particular issue. Would still recommend though on balance.

Liz Rawlings

Double the benefits with two cards

11:25 02-05-2017

via Smart Money People

The Avios credit cards means you get an AMEX plus a MasterCard, which is handy - and I've managed to accrue several thousand Avios through using both cards regularly.

Di Coke

Reasonable value

17:57 16-04-2017

via Smart Money People

Low rates, good credit limit and balance transfer rates

Richard Simpson

Our review of Lloyds | Avios Rewards credit card

Our review by Alex
Written by: Alex
Simplicity
11.5
Features
82.3
Consumer sentiment
50

Total OPTIOSCORE
49/100

With the Lloyds Avios Rewards Credit Card you’ll receive two cards, one from American Express and one MasterCard – but don’t think this means double the effort because monthly you’ll still pay one payment as it’s one account with one credit limit. The Avios you’ll earn also go into one pool. By having two cards it simply means that you can collect the rewards in more places.

The representative APR of the Lloyds Avios Rewards Credit Card is slightly more expensive than others on the market, but you do benefit from 0% on both balance transfers and purchases for the first 24 months. You’ll also need to pay an annual fee of £24 which isn’t uncommon for credit cards. Lloyds specify on their website that the Avios Rewards Credit Card would be a good option for customers who spend around £350 a month on their cards.

Across the board the Lloyds Avios Rewards Credit Card has an average OPTIOSCORE. It’s a shame to see that reviews online paint a negative picture. Although there are none for the Avios Rewards credit card itself, we can take a look at the type of experience customers have had with Lloyds. With a TrustPilot rating of ‘bad’, customers appear to be dissatisfied with their online banking, have reported that they can be slow to answer the phone and that they’ve had problems with the fraud department.

Overall verdict: It’s disappointing that such a large bank has had negative reviews online, but these are only one side to the story. The representative APR might be a little high, but if you’re filled with wanderlust and love to travel then earning the rewards with the Lloyds Avios Rewards Credit Card could be for you.

Highlights

  • Earn rewards when spending
  • Double Avios for 6 months after opening account
  • No foreign transaction fees
  • No cash withdrawal fee
  • Interest free on purchases for 24 months

Minimum criteria

  • You must be aged 18 or over
  • You must be a UK resident
  • You need to have a regular income
  • No CCJs, IVAs or bankruptcy

About Lloyds | Avios Rewards credit card

The Lloyds Avios Rewards Credit Card account has a representative APR of 23.7%. With this card you’ll receive a rewards card from American Express, and others from MasterCard. While spending you can earn Avios points, 1.25 for every £1 with the American Express and 1.25 for every £5 with the MasterCard. During the first 6 months of the account opening you can earn double Avios points, up to a maximum spend of £2,500 per month. Also if you spend over £7,000 in a single year than you could also benefit from flight upgrade vouchers on selected flights if you pay with your Avios.

With the Lloyds Avios Rewards Credit Card you’ll receive an interest free period of 24 months on purchases and you also won’t pay interest on balance transfers for the same period. However, you will have to pay the balance transfer fee of 3%. There are no foreign transaction fees for using the cards in other countries, but you may be charged if you use the cards to withdraw cash.