Refer-a-friend bonus launched for the free Lloyds TSB Duo Avios credit card

Lloyds TSB has launched a referral bonus for the Lloyds TSB Duo Avios credit card pack. This comprises an American Express card (earning 1 Avios per £1) and a MasterCard (earning a shocking 0.2 Avios points per £1).

Initially running for only a few weeks, until April 3rd, Lloyds will give you 4,000 Avios for every friend you recommend for the cards.

The good news is that the basic Duo Avios cards carry no annual fee.

The slightly less good news is that current sign-up bonus is a bit of a dogs dinner. Yes, you receive a voucher for 18,000 Avios. However:

You need to spend £500 each month for the first three months on the American Express card to receive the voucher. This may mean juggling your spending and watching statement dates carefully to ensure you charge enough. Note that MasterCard spend does not count.

The voucher can ONLY be redeemed in conjunction with a booking of 1 night or more in a hotel booked via the Avios hotel booking service. This means that (for a chain property) you would not receive points or status benefits.

The voucher must be redeemed in one transaction and no ‘change’ is given!

If you cancel your trip, the voucher is cancelled and is not available for re-use.

For some people, none of this will be a problem. If you take a lot of short breaks and stay in hotels then it is great. 18,000 Avios would cover two tickets to, say, Amsterdam in Economy. All you would then need to do is book the hotel.

If, however, you tend to stay with friends or in hostels when travelling, or redeem hotel loyalty points, then the offer is unlikely to be of much use.

Fundamentally, Lloyds is also asking you to rip off your friends! Quidco is currently offering £20 cashback for a direct application for the card. If you persuade your friend to sign up, they would be missing out on £20 at the expense of you earning 4,000 Avios. You could pay them £20 for the privilege, of course, which would be an OK deal for both sides.

You can learn more about the Lloyds TSB Duo Avios cards here.

The refer-a-friend bonus can be found here. You can refer someone for the free Duo cards even if you only have the Premier Duo Avios card yourself.

I have not found a link for a bonus on the Lloyds TSB Premier Duo Avios card so far …. anyone?

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How to earn Avios from UK credit cards (April 2025)

As a reminder, there are various ways of earning Avios points from UK credit cards.  Many cards also have generous sign-up bonuses!

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios Mastercard

Get 5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

There are two official British Airways American Express cards with attractive sign-up bonuses:

British Airways American Express Premium Plus

30,000 Avios and the famous annual 2-4-1 voucher Read our full review

British Airways American Express

5,000 Avios for signing up and an Economy 2-4-1 voucher for spending £15,000 Read our full review

You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points. These points convert at 1:1 into Avios.

SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on the ‘free for a year’ American Express Preferred Rewards Gold card is increased from 20,000 Membership Rewards points to 30,000 points. Points convert 1:1 into Avios (30,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.

SPECIAL OFFER: Until 27th May 2025, the sign-up bonus on American Express Platinum is increased from 50,000 Membership Rewards points to a huge 80,000 points. Points convert 1:1 into Avios (80,000 Avios!) and many other programmes. Some people may see even higher personalised offers. Click here to apply.

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points, FREE for a year & four airport lounge passes Read our full review

The Platinum Card from American Express

80,000 bonus points and great travel benefits – for a large fee Read our full review

Run your own business?

We recommend Capital on Tap for limited companies. You earn 1 Avios per £1 which is impressive for a Visa card, and the standard card is FREE. Capital on Tap cards also have no FX fees.

Capital on Tap Visa

NO annual fee, NO FX fees and points worth 1 Avios per £1 Read our full review

Capital on Tap Pro Visa

10,500 points (=10,500 Avios) plus good benefits Read our full review

There is also a British Airways American Express card for small businesses:

British Airways American Express Accelerating Business

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

There are also generous bonuses on the two American Express Business cards, with the points converting at 1:1 into Avios. These cards are open to sole traders as well as limited companies.

American Express Business Platinum

50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

20,000 points sign-up bonus and FREE for a year Read our full review

Click here to read our detailed summary of all UK credit cards which earn Avios. This includes both personal and small business cards.