Lloyds Amex/MC Duo use abroad

coffeehound

Wonder if anyone can explain for the financially illiterate please: I thought that when using these cards abroad, there were no fees incurred. However there are fees against most/all foreign transactions on my statement. Clearly it’s not as straightforward as I’d assumed..

[Deleted User]

https://www.finder.com/uk/lloyds-cancels-avios-duo-credit-cards-launches-avios-rewards

Pretty sure it’s always carried foreign transaction fees

dj1471

Which specific cards? Lloyds Choice or Lloyds Avios?

The original Lloyds Avios Amex and Mastercard cards are indeed fee-free for overseas purchases, not sure about the Choice.

These cards are being discontinued in phases for groups of customers, if you've received the letter about this and a replacement MasterCard then the new card isn't fee-free.

coffeehound

^ Ah thanks for the info — Avios. The cards were issued about a year ago on a dormant account, so it looks like they downgraded me at the same time.

!!! wrote: »

https://www.finder.com/uk/lloyds-cancels-avios-duo-credit-cards-launches-avios-rewards

Pretty sure it’s always carried foreign transaction fees

Thanks for the useful link; didn’t know about the upcoming changes. Suppose I should start reading those Ts & Cs in future

NoodleDoodleMan

Time to change to a "user friendly" credit card for use abroad.

https://www.moneysavingexpert.com/credit-cards/travel-credit-cards/

The Barclaycard is best IMO.

Marchitiello

I still have and use both cards and have recently (end of April/Early May) done few transaction in Euro, which still did not carry any fee and, the Mastercard's transactions, had the usual good exchange rate. I was in USA in February and used the cards exclusively, again with no charges...
As per my other messages on this forum, although I have received the letter informing me of the upcoming changes, there is no actual exact date, so until they formally send me an update with a firm date, i will continue using the cards as per existing terms.

Marchitiello

Quick Update,

After my May’s statement was produced I noticed in an early June transaction that a Forex fee had been charged. After looking more closely, I noticed that the card number in the app had changed. I called customer service and was told that The new card had been sent in March, but actually a new issue of the duo cards were sent and received in March. Anyway, the Forex fee were reversed and the new card re-ordered by Customer Service. I was told that until I received the new card, any Forex fee could be reversed. Few days later I received the letter starting that the change of the Avios duo cards into a new Mastercard only version was coming into effect with the issue of a new card.
So it is now officially ended😢