Lloyds Bank Avios Credit Card - Avios

Lloyds Bank Avios Credit Card (American Express)

23.7 % AER
APR Representative
29 months
Interest free balance transfers
  • 3 % (minimum £ 0) balance transfer fee
  • Cashback
  • Rewards
    • Apply by:
Earn Avios points as you spend
Annual fee of £24
No cashback or rewards
Representative 23.7% APR variable. Based on £24 annual fee, assumed borrowing of £1200. Rate of interest 18.94% (variable) annual.

This account may be appropriate for you if

  • You have a Prime credit rating
  • You are older than 18


Enhanced Introductory Rate: Not applicable.


ScenarioAnnual Airmiles
£100 monthly spend1500 p.a.
£250 monthly spend3750 p.a.
£1000 monthly spend15000 p.a.
£2000 monthly spend30000 p.a.
Airlines: British Airways, Virgin Atlantic, Emirates

Introductory Offers

Introductory Purchase Rate Period: 29
Balance Transfers Allowed: Yes
Max Balance Transfer Limit: N/A
Introductory Balance Transfer Rate: 0 % AER
Balance Transfer Offer Term: 29 months
Introductory Balance Transfer Fee: 3 % (minimum £ 0)
Money Transfers Allowed: No

Overseas Use

Cost of £100 Transaction in Europe: Free
Cost of £100 Transaction Worldwide: Free
Charges for £100 International Cash Withdrawal: £ 3
Interest Charged on Cash Withdrawals: 18.94 % AER
Airport Lounge Access: No
Overseas Insurance:
  • Travel Accident Insurance
  • Travel Medical Insurance
  • Travel Cancellation Coverage

Payment Options

Contactless Payments
Pay Bill With Direct Debit
Make Direct Debit Payments
Optional Cheque Book


Optional concierge service
Earn Charitable Donations
Free Warranty Cover
Refund Protection
Roadside Assistance
Home Emergency Cover
Emergency Funds
Emergency Card Replacement


Annual Fee: £ 24
Minimum Monthly Repayment: statutory minimum
Interest Free Period (transactions): 56 days
Interest Free Period (cash withdrawals): 0 days
Annual Interest Rate for Purchases: 18.94 % AER

Additional Charges

Late Payment Fee: £ 12
Inactivity Fee: None
Over Limit Fee: £ 12
Returned Payment Charge: £ 12
Copy Statement Charge: £ 5
Copy Voucher Charge: ns


This Credit Card Is Provided By: Lloyds Bank plc
All Qualifying Applicants Offered Advertised Rate: No. Actual rates range from 23.7 % to 31.1 %

Moneywise Best Buys

Credit Cards

* Cashback on a spending scenario of £500 per month