Lloyds TSB Airmiles Duo Credit Card
Independent review with up to date rates, fees and special offers for this card...
- Up to 1 Airmile for every £10 you spend
- Double Airmiles abroad & additional Airmiles on the high street
- 1,500 bonus Airmiles - enough for 2 free flights!
Lloyds TSB credit card review: Airmiles Duo
OUR editors are currently reviewing the Lloyds TSB Airmiles Duo credit card.
| Interest Rates and Fees |
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Notes.. |
| Typical APR |
15.9% APR (variable) |
The typical APR is the rate most people are offered. |
| Balance Transfers |
0% for 3 months
Minimum spend of £100 in 3 months required to increase balance transfer period to 6 months. |
Balances must be transferred within 6 weeks of account opening to qualify.
If you spend £100 on purchases within the first 3 months the balance transfer offer will last for 6 months from the date you transfer a balance, otherwise it will last for 3 months from the date your account was opened.
Promotional balance transfers will always be repaid before any other balance.
150 Airmiles awarded for every £1000 transferred. |
| Balance Transfer Fee |
3% |
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| Cash Withdrawal Rate |
27.9% p.a. (variable) |
Your cash balance limit is 50% of your actual credit limit. |
| Cash Withdrawal Fee |
3%
(£3 minimum) |
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| Annual Fee |
None |
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| Foreign Transaction Fee |
2.95% |
This fee will be charged if you make a purchase or cash withdrawal in a foreign currency.
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| Rewards |
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Notes.. |
| Reward #1 |
1 Airmile for almost every £10 spent |
- Earn 1 Airmile for every £10 spent on the Lloyds TSB American Express card
- Earn 1 Airmile for every £50 spent on the Lloyds TSB MasterCard card |
| Reward #2 |
1,500 Bonus Airmiles |
Apply and be accepted for the Lloyds TSB Airmiles Duo credit card before 30th September 2010 and then spend at least £10 before 30th November 2010 to qualify.
1500 Airmiles is enough for 2 free flights to Zone 1 destinations, including Paris, Amsterdam or Dublin. To spend the 1500 Airmiles you will need to book a night in any Airmiles hotel when you claim your free flights.
Free flights voucher must be completed by 31st May 2011.
Free flights include all airline taxes, fees and surcharges. However, if you have not collected Airmiles within the proceeding 12 months you will be charged at £30 admin fee. |
| Reward #3 |
Double Airmiles Abroad |
Earn double airmiles when you spend abroad |
| Reward #4 |
Additional Airmiles on the high street |
Earn additional airmiles when you shop at over 100 high street and online Airmiles partners.
Airmiles partners include:
- Tesco Clubcard
- Shell
- Avis car hire
- ebay.co.uk
- Comet
- Currys
- Apple store
- JohnLewis.com
- GAME
- Play.com
- HMV
- Dixons
- Burton
- Hamleys
- iTunes
- Jessops
- CD WOW!
- Early Learning Centre
- Halfords
- PC World
and many more. |
| Reward #5 |
Airmiles on Balance Transfers |
150 airmiles for every £1,000 transferred from other non-Lloyds TSB credit cards.
See 'balance transfers' above for details on the rates and fees of the balance transfer offer. |
| Cardholder Services & Extras |
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| Online Account Management |
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You can log in to a website and manage your Lloyds TSB Airmiles Duo credit card account online. |
| Fraud Guarantee |
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Guarantee against loss from fraud - including Internet fraud loss. |
| Fraud Monitoring |
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Active Account Monitoring
Lloyds TSB will monitor your account and get in touch if they notice anything suspicious. |
| Identity Protection |
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| MasterCard SecureCode |
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An extra layer of security when shopping online. Register and set up a password-protected identity-check when you shop online with participating online retailers. (Only applies to the MasterCard). |
| Purchase Protection Insurance |
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| Purchase Delivery Insurance |
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| Comprehensive Travel Insurance |
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| Travel Accident Insurance |
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| Travel Inconvenience Insurance |
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| Assistance Abroad |
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| Emergency Card Replacement |
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Overseas Emergency Assistance
Priority help and an emergency replacement service if your card is lost or stolen abroad. |
| Other Extras |
- Free additional cardholders
- 24 hour customer service |
| Optional Extras |
These are extras that you can choose, but you will have to pay for them.
- Payment protection
- Card protection |
| Payments & Payment Details |
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Notes.. |
| Credit Limit |
£500 minimum |
Maximum credit limit is subject to status. |
| Interest Free Period |
Up to 56 days |
For purchases if you pay the balance shown on your previous and current statement in full and on time. |
| Minimum Monthly Payment |
2%
(£5 minimum) |
The minimum monthly payment will be the greater of:
- 2% of the outstanding balance (£5 minimum), OR
- Total interest, plus any default charges, plus any insurance premiums for the statement, plus 0.5% of your outstanding balance. |
| Allocation of Payments |
Interest » Charges » Insurance Premiums » 0% Balance Transfers & 0% Cheques » Other Promotional Balance Transfers & Cheques » Standard Rate Balance Transfers & Cheques » Purchases » Cash Withdrawals » All other amounts |
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| Default Charges |
£12 |
This is how much you will be charged for late payments, returned payments and if you go over your credit limit. |
| Copy of Statement Fee |
£6 |
This is the fee you will be charged for duplicate statements. |
| Card Details |
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Notes.. |
| Online Application |
Yes |
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| Card Type |
Classic |
You will receive two credit cards for the same account, a MasterCard credit card and an American Express credit card. Only the rewards you earn will vary between cards, all of the interest rates, fees, charges and repayment terms are the same. |
| Payment Company |
MasterCard |
The company who provides the payment technology and infrastructure to allow you to use this credit card.
Retailers and ATM machines displaying the 'MasterCard' logo will accept this credit card. |
| Card Issuer |
Lloyds TSB |
The bank who issues this credit card. |
| Card Advertiser |
Lloyds TSB
Airmiles |
The company who advertises and promotes this credit card. |
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At a glance
Typical APR:
(variable) |
15.9% APR |
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| Purchases: |
15.9% p.a. |
| Balance Transfers: |
0% for 3 months
Minimum spend of £100 in 3 months required to increase balance transfer period to 6 months. |
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3% transfer fee |
| Interest Free Period: |
Up to 56 days |
| Annual Fee: |
£0 |
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Rewards:
- 1 Airmile for almost every £10 spent
- 1,500 Bonus Airmiles
- Double Airmiles Abroad
- Additional Airmiles on the high street
- Airmiles on Balance Transfers
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This card includes:
| Online Account Management |
| Fraud Security |
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| You should only apply if you are: |
- Aged 18 or over
- UK resident
- Do not have any County Court Judgements
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Review Continued...
Apply Online for Lloyds TSB Airmiles Duo credit card »
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