Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and regulated by the Financial Services Authority except for lending where we are licensed by The Office of Fair Trading. FSA authorisation can be checked on the FSAs Register at: www.fsa.gov.uk/register/. Lloyds TSB Bank plc and Lloyds TSB Scotland plc are members of the Financial Services Compensation Scheme and the Financial Ombudsman Service. We subscribe to the Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk.
Lloyds TSB Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Lloyds TSB Scotland plc. Registered office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland no. 95237.
The issue of a credit card depends on our assessment of your circumstances. You must be 18 or over and a UK resident to apply.
1 Eligible spend does not include cash withdrawals, money transfers, cheques, interest, fees or charges, Payment Protection Cover, transactions at casinos, betting outlets or bookmakers or payments to offline or online current, savings, sharetrading, spread betting, gambling or any other similar account.
2 1. One Companion Ticket will be awarded per customer per year subject to a minimum credit card spend of 15,000 per year. 15,000 spend threshold excludes balance transfers, refunded purchases, interest, fees and other charges. 2. To qualify for a Companion Ticket the cardholder must have spent a minimum of 15,000 in the 12 months preceding the anniversary of opening the Lloyds TSB Premier Duo Avios Credit Card Account. In each subsequent year cardholders will qualify if, they have spent a minimum of 15,000 in the preceding 12 months. Companion tickets are limited to one per year. A year will commence on the anniversary of the credit card account. 3. Cardholders will be notified if they have qualified for a Companion Ticket via a voucher on their Avios online account approximately 4 weeks after reaching the spend threshold of 15,000. 4. Companion Tickets must be booked online by visiting www.avios.com. For queries please contact 0844 493 3399. 5. The Companion Ticket voucher will be valid for a period of 12 months. Your booking must be made within 12 months after which time the Companion Ticket voucher will expire. 6. Companion Tickets are available on British Airways flights only when used in conjunction with economy class bookings that are purchased with Avios (excluding airline taxes, fees and charges). Cash-only purchases shall be excluded. British Airways routes are subject to change and availability. 7. Companion tickets are subject to availability, the Avios Terms and Conditions and the payment of airline taxes, fees and charges. 8. Cardholders' use of Companion Tickets will be limited to one ticket per booking. 9. The Companion must travel to the same destination as the cardholder and be accompanied by the cardholder in order to take advantage of the Companion Ticket. 10. Companion Tickets cannot be used in conjunction with any other offer and are non-transferable and, non-refundable. 11. Neither the Bank nor Avios can guarantee that a Cardholder will be able to use a Companion Ticket on a particular flight. 12. Avios reserve the right to withdraw or amend this offer upon providing reasonable notice. 13. Avios cannot accept responsibility for problems arising from computer malfunctions, viruses or bugs or other such causes, which may prevent you from taking advantage of this offer. YOU MUST ALSO READ THE AVIOS CONDITIONS, WHICH CAN BE FOUND AT www.avios.com
If there is a conflict between the Credit Card Conditions and Lloyds TSB Avios Conditions on the one hand and the Avios Conditions on the other, the Avios Conditions shall prevail insofar as the relevant rules affect or purport to affect the Avios Scheme.
3 Customers who apply through Lloyds TSB and are accepted for the Lloyds TSB Duo Avios Credit Card Account by 31st July 2013 will be eligible for the 15,000 Avios bonus, if they spend £500 a month for the first 3 months on eligible purchases on their Lloyds TSB Duo Avios American Express Card from account opening date. The 15,000 Avios will show on the customer’s Avios account within 90 days of the qualifying spend being achieved.
4 Customers who apply through Lloyds TSB and are accepted for the Lloyds TSB Premier Duo Avios Credit Card Account by 31st July 2013 will be eligible for the 20,000 Avios bonus, if they spend £500 a month for the first 3 months on eligible purchases on their Lloyds TSB Premier Duo Avios American Express Card from account opening date. The 20,000 Avios will show on the customer’s Avios account within 90 days of the qualifying spend being achieved.
*Minimum balance transfer is £100 and is subject to your credit limit. Balances must be transferred within 90 days of opening the account and your promotional period starts from the date we open your account. Balance transfer fee applies. If you don't pay off your balance in full, any payments you make will pay off Transactions charging the highest rate of interest first, and so on down to the lowest rate of interest in the following order: Cash Withdrawals, Purchases, Balance Transfers, Cheques, followed by the default charges.
**The standard balance transfer fee of 3% will be applied when a balance transfer is processed. For example, if a customer transfers £1,500 a BT fee of £45 will be applied. We'll refund 66.6% of that, i.e. £30 into the customer's credit card account within 60 days of the qualifying balance transfer completion date. Minimum balance transfer amount is £100.
***The standard balance transfer fee of 3% will be applied when a balance transfer is processed. For example, if a customer transfers £1,500 a BT fee of £45 will be applied. We'll refund 50% of that, i.e. £22.50 into the customer's credit card account within 60 days of the qualifying balance transfer completion date. Minimum balance transfer amount is £100.
Lloyds TSB Duo Avios Credit Card Account collection rates are 1 Avios for every £1 of eligible spend with your Lloyds TSB Duo Avios American Express Card, and 1 Avios for every £5 of eligible spend with the Lloyds TSB Duo Avios MasterCard.
Lloyds TSB Premier Duo Avios Credit Card Account collection rates are 1.25 Avios for every £1 of eligible spend with your Lloyds TSB Premier Duo Avios American Express Card, and 1.25 Avios for every £5 of eligible spend with the Lloyds TSB Premier Duo Avios MasterCard.
All bookings are subject to availability which may be very limited on some route at certain times especially during peak periods.
Avios and the Avios logo are trademarks of the British Airways Plc group of companies. Avios Group (AGL) Ltd. Registered office: Astral Towers, Betts Way, London Road, Crawley, West Sussex RH10 9XY. Registered in England. Company No. 2260073
American Express is a registered trademark of American Express company. The Lloyds TSB Premier Duo Avios American Express Card is issued and administered by Lloyds TSB pursuant to a licence from American Express.
MasterCard and the MasterCard Brand mark are registered trademarks of MasterCard International Incorporated.