Two credit cards - one account
Earn Avios on all purchase spending
Double Avios abroad, additional Avios with partner retailers
Five times more Avios for the first 3 months
0% on balance transfers for 6 months (3% fee)
Lloyds TSB Duo Avios credit card
Everything you need to know about this credit card, including how to apply, our review and the small print.
Available to those who are:
- Aged 18 or over
- UK resident
Please ensure you meet the above criteria before applying, or it could adversely affect your credit rating.
| Representative Example: 15.94% p.a. variable on purchases. This is equivalent to 15.9% APR representative variable based on a credit limit of £1,200. Lloyds TSB Bank plc, Registered Office: 25 Gresham Street, London, EC2V 7HN |
What's on offer?
Main summary of this credit card's rates, rewards and services.
 Purchases: |
 Balance transfers: |
 Rewards: |
 Cardholder services: |
|---|---|---|---|
| 15.94% p.a. variable | 0% for 6 months 15.94% p.a. variable thereafter 3% transfer fee Must be transferred within 90 days |
1 Avios for almost every £1 spent Double Avios Abroad Additional Avios on the high street 5 x Avios for 3 months Avios on balance transfers |
Online Account Management Internet Fraud Guarantee Active Fraud Monitoring MasterCard SecureCode |
Further details and the small print
A closer look at the rates, rewards, services and our review of this credit card.
What we think
Our review and how this deal compares
Please read this first:
This review is based on general information about how the product compares in the market, it shouldn't be taken as a recommendation or advice.
Please see below for more important information relating to the content of this page.
LLOYDS TSB became the bank of choice for the AirMiles reward scheme a few years ago and, now revamped as Avios, is still holding its place.
Until very recently, it was a unique offering in that the account came with both an American Express card as well as a MasterCard (now adopted by Virgin Atlantic).
There is no difference apart from the payment technology - transactions from either card go onto the same account and are charged in the same way.
The difference, however, comes down to the number of Avios earned on each card, likely due to the cost incurred by the issuer for using either payment company.
Duo Avios credit cards
The American Express credit card earns 1 Avios for every £1 spent.
The MasterCard earns 1 Avios for every £5 spent.
At that rate, it's clear the American Express will earn the most Avios but it's handy to have a MasterCard as well as Amex is notoriously not accepted everywhere.
For anyone already on or interested in the Avios reward scheme, we've covered a comparison of Avios earnings between this card and pooling Tesco Clubcard points in this guide.
Bonus air miles
The Lloyds TSB Duo Avios credit card also offers the following opportunities to earn bonus miles:
- Double miles on purchases made abroad.
- 1,500 Avios for every £1,000 balance transfer, and
- Special offer miles with over 100 high street and online Avios partners including Tesco Clubcard and Shell.
It is worth approaching some of these incentives with caution though - balance transfers and rewards generally don't mix on credit cards and additionally this card isn't noticeably cheap for use abroad.
More about Avios
It is worth noting that, although different schemes accrue more points, they're likely to get around the same reward on spending - see our FAQ section for more on how much airmiles in different schemes are worth.
Redeeming Avios for flights is based on a zone system. The closest European flights are available in return for a combination of Avios points and a flat £27 rate for every return flight.
So, for example return to Berlin would be 9000 Avios (or £9,000 spent on the American Express card) plus £27, which also covers all taxes and airline fees.
Flying further means paying in a mixture of Avios points and then the applicable taxes and fees for the flight.
Not a "use abroad credit card"
Although the Lloyds TSB Duo Avios credit card might be good for getting you abroad it's not particularly cheap when you actually get there.
There's a 2.95% fee on all foreign transactions.
In common with other credit cards, the Lloyds TSB Duo Avios credit card isn't cheap for accessing cash either - including buying foreign currency - there's a 3% fee (minimum £3.00) on every cash transaction and then interest is charged at 27.95% p.a. variable with no interest-free period.
All in all
Avios is a well known and broad travel reward scheme, for new users or people already on the scheme, the Lloyds TSB Duo Avios credit card offers an additional way to earn Avios.
Application criteria
| Detail | |
|---|---|
| Only apply if you are: | - Aged 18 or over - UK resident |
Interest rates
| Detail | Additional | |
|---|---|---|
| Representative APR (variable) | 15.9% APR | Based on a £1,200 credit limit. |
| Introductory Purchases | - | Not offered |
| Introductory Balance Transfers | 0% for 6 months | Must be transferred within 90 days of account opening to qualify. |
| Standard Purchases | 15.94% p.a. variable | - |
| Standard Balance Transfers | 15.94% p.a. variable | - |
| Standard Cash Advances | 27.95% p.a. variable | - |
Fees and charges
| Detail | Additional | |
|---|---|---|
| Balance Transfer fee | 3% | - |
| Cash Advance fee | 3% (£3 min) | - |
| Foreign fee | 2.95% | This fee is charged for transactions made in non-sterling currency. |
| Annual fee | None | - |
| Default charges | £12 | This charge is made for late payments, returned payments and exceeding the credit limit. |
Repayment details
| Detail | Additional | |
|---|---|---|
| Credit limit | £500 min | Maximum credit limit is subject to status. The cash limit is 50% of the actual credit limit. |
| Interest free period | Up to 56 days | For purchases if you pay the full balance shown on your previous and current statement on time. |
| Minimum monthly payment | 1% (£5 min) | You must make a minimum payment by the payment date every month of an amount equal to the total of interest, any default charges and 1% of the balance shown in your statement (minimum £5, or the full balance if less than £5). |
| Allocation of payments | Highest rate balances first | Lloyds TSB use any payments you make to pay off Transactions that appear on your statement starting with those on which they charge the highest rate of interest, and so on down to the lowest rate of interest. If the payment is not enough to pay off all Transactions at a particular interest rate, they will pay off Transactions charged at the interest rate in the following order:- Cash Withdrawals, Purchases, Balance Transfers and Cheques, followed by the charges in conditions 7.1, 7.2 and 7.3. If you pay more than the amount due shown on your statement, they will use any remaining payment to pay off Transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, "Transaction" includes the amount of the Purchase, Cash Withdrawal, Cheque or Balance Transfer plus any interest, charges or insurance payment charged as a result of that Transaction. For example, a Cash Withdrawal charge is included as part of a Cash Withdrawal. |
Rewards and discounts
| Detail | |
|---|---|
| 1 Avios for almost every £1 spent | - Earn 1 Avios for every £1 spent on the Lloyds TSB American Express card - Earn 1 Avios for every £5 spent on the Lloyds TSB MasterCard card |
| Double Avios Abroad | Earn double airmiles on purchases made abroad. |
| Additional Avios on the high street | Earn additional Avios miles when you shop at over 100 high street and online partners. Avios partners include: - Tesco Clubcard - Shell - Avis car hire - Comet - Currys - Apple store - JohnLewis.com - ToysRUs and many more. |
| 5 x Avios for 3 months | Get five times more Avios for the first 3 months on spending on the American Express card only. |
| Avios on balance transfers | Get 1,500 Avios for every whole £1,000 transferred from a single provider. Balance transfer terms and conditions apply - such as a transfer fee. |
Cardholder services
| Offered | Additional | |
|---|---|---|
| Online account management |  |
The account can be managed online. |
| Internet Fraud Guarantee | |
As long as you take reasonable care and it is without your knowledge or consent. |
| Fraud Monitoring | |
Lloyds TSB will monitor the account and get in touch if they notice anything suspicious. |
| Identity Protection |  |
- |
| Credit Report Access | |
- |
| 3D Secure | |
MasterCard SecureCode 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). |
| OneTouch Payments | |
- |
| Purchase Protection Insurance | |
- |
| Purchase Delivery Insurance | |
- |
| Comprehensive Travel Insurance | |
- |
| Travel Accident Insurance | |
- |
| Travel Inconvenience Insurance | |
- |
| Assistance Abroad | |
- |
| Emergency Card Replacement | |
Overseas card replacement service if lost abroad. |
Please read the following notice:
The review on this page is intended to provide general information only and does not attempt to give advice that relates to your specific circumstances. If you are unsure as to the suitability of any financial product, you should discuss this with an independent financial advisor.
While we make every effort to ensure and maintain current and accurate information on this site and the review on this page will be periodically updated inline with product changes, it could contain rates, deals or facts which have now changed and therefore should not be solely relied upon.
You should check the full details of any product with the relevant provider before applying, and you are advised to conduct your own research as well.
We aim to provide free reviews and comparisons of consumer products. To keep the site free, we are paid by some providers when new customers take products after they've clicked on our links. We don't allow our editorial content to be affected by those links, however we may not include all of the products available in the market.
Please read our full disclaimer for other important information that relates to the information and service we provide and your use of this site.
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