Ok this is just awful, the timing is terrible.
I get an Amex platinum last week, then lloyds writes me a letter to tell me bye bye Avios Rewards Credit Cards, to be replaced with a Mastercard with 2.99% transaction fees and a joke of avios!
I don't really care about the Avios, but I certainly care about the 2.99% exchange rate fee.
So I applied for a Tandem card and got rejected even though my Experian rating is 999, most likely due to me applying for credit last week!

So that's it then, bye bye Lloyds Avios Duo.
FYI, the new rate with the rip off Mastercard they will send is 2 Avios for every 5GBP eligible spend.