Bye Bye Lloyds Amex
Mar 23, 2019, 1:57 pm
#1
Original Poster
Join Date: Jan 2016
Location: LHR/ATH
Programs: Amex Platinum, LH SEN (Gold), BA Bronze
Posts: 4,489
Bye Bye Lloyds Amex
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.
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.
Mar 23, 2019, 2:07 pm
#3
Original Poster
Join Date: Jan 2016
Location: LHR/ATH
Programs: Amex Platinum, LH SEN (Gold), BA Bronze
Posts: 4,489
Mar 23, 2019, 4:26 pm
#4
Join Date: Oct 2015
Location: LON
Programs: BA Gold; LH FTL; IHG Diamond; Marriott Gold; ALL Gold
Posts: 1,758
You can bump up the MasterCard rate to 0.5 avios per Ł if you open a Club Lloyds account. A fee-free card with 0.5 avios per pound is pretty good - the same as HSBC Premier but without the tricky eligibility criteria.
I will miss those Lloyds cards (and the upgrade voucher), but it's not the end of the world.
I will miss those Lloyds cards (and the upgrade voucher), but it's not the end of the world.
Mar 23, 2019, 11:36 pm
#5
Join Date: Aug 2017
Location: MAN
Programs: IHG Diamond Ambassador
Posts: 351
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.
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.
Mar 23, 2019, 11:49 pm
#6
Join Date: Jan 2005
Programs: BA Gold, AA Lifetime Gold 1.8mm, IC Spire Ambassador, Hilton Diamond, SPG Gold et al
Posts: 4,350
Not so sure I will miss the card much. Yes, I took the opening bonus and earned 2 vouchers but the hassle associated with getting the avios to credit correctly or even at all initially for the nearly 2 years I had it are things I am glad to be rid of. In May last year I was promised that it would all be sorted "soon" and that I would be given a one-off "goodwill" bonus as compensation. No end of calling and writing has resulted in that actually happening.
Lloyds are a complete shambles in my book.
Lloyds are a complete shambles in my book.
Mar 24, 2019, 2:57 am
#7
Join Date: May 2014
Posts: 740
There's no annual fee on the new cards but foreign transactions are no longer free. I use the BA amex card so the Lloyds one was for places that didn't take amex and using abroad.
I also got declined for the tandem one. I think they probably want people who don't pay off their cards each month. So I have now got a Halifax card. No avios of course, but no foreign transaction fees, which is worth more than the avios ever were.
I also got declined for the tandem one. I think they probably want people who don't pay off their cards each month. So I have now got a Halifax card. No avios of course, but no foreign transaction fees, which is worth more than the avios ever were.
Mar 24, 2019, 4:07 am
#8
Join Date: Jul 2016
Location: GLA
Programs: BA Silver
Posts: 310
Mar 24, 2019, 5:16 am
#9
Join Date: Jun 2008
Posts: 851
For balance these changes are an improvement for me.
I hold the BA Amex and the Lloyds mastercard for where they don’t take Amex / PayPal.
Sure it was handy having it few free overseas but the enhanced Avios for Uk spend for me outweighs that.
Just goes to show one person’s rip off is another’s genuine enhancement
I hold the BA Amex and the Lloyds mastercard for where they don’t take Amex / PayPal.
Sure it was handy having it few free overseas but the enhanced Avios for Uk spend for me outweighs that.
Just goes to show one person’s rip off is another’s genuine enhancement
Mar 24, 2019, 6:14 am
#10
Join Date: Mar 2004
Location: London, UK
Posts: 5,104
My husband has this card, and has just received the letter. How do we see the details of his outstanding voucher now - his avios.com log-in is now defunct and they don’t show on his ba.com account. Related, but how do we see whether he can still earn another one before his card expires? #veryconfused
Thanks.
Thanks.
Mar 24, 2019, 7:05 am
#11
Join Date: Apr 2005
Location: LHR
Programs: BA Silver
Posts: 381
My husband has this card, and has just received the letter. How do we see the details of his outstanding voucher now - his avios.com log-in is now defunct and they don’t show on his ba.com account. Related, but how do we see whether he can still earn another one before his card expires? #veryconfused
Thanks.
Thanks.
You can earn a voucher once a year, counting from the anniversary date of opening your account. This darte is not published anywhere online - here you'll need to call Lloyds and ask for this date. If the voucher you got is prior to this date, you still have a few more weeks to earn another one.
Mar 24, 2019, 7:34 am
#12
Join Date: Jun 2014
Location: Leeds, UK
Programs: Mucci, BAEC GGL/CCR, Hilton Diamond, IHG Diamond Ambassador, Stena Gold
Posts: 1,086
I've still not had my letter
These cards has saved me a fortune in FX fees over the years- the voucher was never the reason to hold them
These cards has saved me a fortune in FX fees over the years- the voucher was never the reason to hold them
Mar 24, 2019, 9:00 am
#14
Join Date: Jun 2014
Location: Leeds, UK
Programs: Mucci, BAEC GGL/CCR, Hilton Diamond, IHG Diamond Ambassador, Stena Gold
Posts: 1,086
Mar 24, 2019, 9:07 am
#15
Join Date: Sep 2013
Location: London
Programs: BA Gold, IHG Platinum, Hilton Gold, Marriott Platinum. Aspiring flyer with both feet on the ground.
Posts: 318