Lloyds TSB Airmiles Duo Credit Card

akes 3 days for payment to clear from a Lloyds account The Lloyds TSB Airmiles Duo is the only credit card to offer Airmiles. After Lloyds TSB took over the running of the Airmiles Credit Card from NatWest a few years ago they launched this innovative card which is actually two cards - 1 AMEX and 1 Mastercard on the same account. Whilst you only have a single account the two cards are there as AMEX still isnt accepted in as many places. Rewards: There are many reward card on the market at the moment. I have this card as i collect Airmiles through various other brands including Tesco and The Times. With the AMEX card you earn 1 airmile for every £10 you spend. On the Mastercard you earn 1 airmile for every £50 spent. If you use the cards abroad you will get double airmiles (although be careful of foreign currency transaction fees). Whilst the rate you earn airmiles seems a little low compared with other reward schemes out there, bear in mind that airmiles are worth considerably more than a BA Mile for example. The Airmiles are listed on your monthly card statement and are automatically added to your Airmiles account each month. I have had a problem with earning Airmiles, for some reason i wasnt earning any Airmiles on my card despite spending significant amounts of money, when i called to query this i was told that there was an error on the account. This was put right quickly and on the next statement i had all the backdated airmiles i was due. The call centre staff were very helpful (based in the UK which is good). Applying for the card: Check the Lloyds TSB website for the latest eligibility criteria before you go ahead but you can apply for this card through a variety of methods. I applied online via my Internet Banking. As i'm already a Lloyds TSB current account customer i didnt need to provide any physical documentation. The cards arrived within a week or so with the PIN number arriving separately. You can also apply for this card in a branch or over the telephone. A small tip...at the time of writing this Lloyds TSB are offering a 1500 airmiles introductory bonus if you apply for the card through the Airmiles website (not Lloyds TSB website). Using the card: I've not had any issues using the card. As mentioned earlier AMEX has a much higher rate of earning Airmiles but this isnt always accepted so having the Mastercard as a back up is helpful. I manage this card through Internet Banking, it appears in my list of accounts and i can make payments from my Lloyds TSB current account. The only downside is that it takes up to 3 days for the payment to clear on the card, which i wouldnt have expected considering its within the same bank.