great product

We've been using this for years - great product

Reviewed on 9th February 2020

APY

Not as good as it was

This used to be a dual Amex and Mastercard giving experiences as well as air miles but Amex was withdrawn and less Avios are now awarded. In addition, it appears that these cannot now be exchanged for theatre tickets. Service remains good however.

Reviewed on 29th December 2019

Alan Patrick

Change of terms

Shame they removed the free non-sterling transactions, was a very useful benefit. Good app, easy to track spend and make payments.

Reviewed on 21st August 2019

Yowdie

Lloyds Insurance

Excellent service with Avios Credit card

Reviewed on 15th August 2019

Poojitha Ravipati

Good customer service but points don't add up to much

I have been collecting airmiles for years but the points don't get you very far. I think it would have been better to collect tesco points and change them for air miles.

Reviewed on 15th April 2019

Clare Wrench

Great rewards

It's certainly one of the better cars out there, attractive benefits and really useful rewards too !

Reviewed on 22nd November 2018

Bez Cuss

good rate

easy to apply, great customer service. local branch very friendly. payment methhods convenient.

Reviewed on 13th January 2018

ruth361

Flexible everyday credit card - with benefits

Good customer service, good product, gets rewards and is hassle free... Overall a great experience and a good solid product...

Reviewed on 1st January 2018

John Hobbs

My local bank is fab

such friendly staff means i still bank there

Reviewed on 12th December 2017

Julia Messenger

Great Service and Benefits

I love using my avios credit card to build up avios points. I also love the lloyds banking app, it is very straight forward to use!

Reviewed on 9th November 2017

Louise Canning

Great cards, free to use abroad, collecting AVIOS

For £24 a year, you get two cards to use and they are free to use abroad, which is great. It makes sense if you are travelling a lot. Also, you are collecting AVIOS points. Easy to manage on web-banking.

Reviewed on 8th November 2017

Christos

Great dual card with Avios miles

Opportunity to fly BA to Spain - Brilliant

Reviewed on 8th November 2017

Sylvia Montgomery

Flights for nothing

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!

Reviewed on 30th June 2017

Leigh A Collins

Great rewards scheme!

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... Read more

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.

Reviewed on 29th June 2017

Ed Goodall

Fine

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... Read more

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!)

Reviewed on 22nd June 2017

Anne-Marie Coughlan

Interest rate rises

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.

Reviewed on 7th June 2017

Anonymous

Interest rate rises

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.

Reviewed on 7th June 2017

Anonymous

Great service

Always had great service from Lloyds in all services interactions.

Reviewed on 5th June 2017

Lin Martin

Good for avios but service needs work

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... Read more

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.

Reviewed on 1st June 2017

Liz Rawlings

Double the benefits with two cards

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.

Reviewed on 2nd May 2017

Di Coke