A credit card is a way to pay with a set credit limit, which is based on how much you can afford to repay. If you already use our mobile app, applying is just a few quick steps away.
How does a credit card work?
A credit card has a monthly limit and you need to make at least a minimum payment each month to keep it in order. A credit card statement is issued to you each month with your spend details, the minimum payment to make and the payment due date. The minimum payment is 3% of the balance or €6.35, whichever is higher.
AIB CLICK Visa Card |
AIB ‘be’ Visa |
AIB Platinum Visa Card |
AIB Student Visa Card |
|
Annual Bank Fee |
No | No | No | No |
Introductory annual interest rate on purchases |
No | Yes | Yes | Yes |
Introductory annual interest rate on balance transfers |
No | Yes | Yes | No |
Up to 56 days interest free |
Yes | Yes | Yes | Yes |
Salary Requirements |
€16,000 | €16,000 | €40,000 | n/a |
Online Account Management |
Yes | Yes | Yes | Yes |
Apply Online |
Yes Mobile & Internet Banking |
Yes Internet Banking only |
Yes Mobile & Internet Banking |
Yes Internet Banking only |
Cashback Awards |
No | No | Yes | No |
Must pay by direct debit |
No | No | No | Yes (minimum 3%) |
Contactless payments |
Yes | Yes | Yes | Yes |
Mobile Payments |
Yes Google Pay and Apple Pay |
Yes Google Pay and Apple Pay |
Yes Google Pay and Apple Pay |
Yes Google Pay and Apple Pay |
Secure Internet Shopping |
Yes | Yes | Yes | Yes |
Emergency Cash Service |
Yes | Yes | Yes | Yes |
Spread Your Repayments |
Yes | Yes | Yes | Yes |
Documents you will need to provide
-
Pay As You Earn (PAYE) employee
- Your last three months’ bank statements showing your salary
- Your last three months’ worth of payslips will be needed if your salary is mandated to a joint account
- A document to prove your Personal Public Sevice Number(PPSN) (payslip or letter from the government that shows your PPSN)
- If you already have a credit card with another institution we will also need your last three months credit card statements for that card
- If you’re in employment with your current employer for less than 6 months we will also need copy of a signed contract or letter of employment from your employer confirming your income.
-
Self Employed
- Your last three months’ bank statements showing your income
- A document to prove your PPSN (payslip or letter from the government that shows your PPSN)
- Your most recent Notice of Assessment (NOA) / Balancing Statement (e/online certs) / UK Tax Returns; or
- Accountant’s written confirmation of income; or
- Up to date financial statements/accounts
- If you already have a credit card with another institution we also need your last three months’ credit card statements for that card.
-
Retired
- Last three months’ bank statements in which your pension(s) is paid
- If you already have a credit card with another institution we also need your last three months credit card statements for that card
- A document to prove your PPSN (payslip or letter from the government that shows your PPSN)
- If you have more than one pension, a document from your pension provider showing how much you get paid each year from these pensions.
Features and benefits
Using your card abroad: Exchange rates for non-Euro EU/EEA currencies on credit cards. To view the rates for all other currencies visit the Visa website.
No annual bank fee: a Government stamp duty of €30.00 is charged annually per credit card account. Other charges may apply.
Special introductory annual interest rate: on purchases (made with ‘be’, Platinum or Student card) for 12 months from the date your credit card account is opened.
Introductory Balance transfer rate: on balance transfers applies for 12 months from the date the credit card account is opened.
(‘be’ and Platinum cards only)
Applicants for an AIB Student Visa Card must be a third level student in full-time education and have or open an AIB Student Plus Account. They must also have held a bank account for a minimum of 3 months and must be at least 18 years of age.
Up to 56 days interest-free credit: if you pay your balance in full and on time each month you will avoid paying any interest.
Secure Internet shopping: bringing you peace of mind when shopping online with Visa Secure.
Credit Card Rates: View the interest rates charged on balances on AIB's range of Credit Card options.
Emergency Cash Service: If you lose your card at home or while abroad, we’ll cancel your card. If you are abroad, we can provide you with an Emergency Cash Advance Facility within 48 hours in most countries. (Subject to available credit, fees and charges may apply.)
Our Customer Service staff are available on (01) 6685500 (or +353 1 6685500 from abroad).
Spread your repayments: you decide how much you want to repay from the minimum amount (3% or €6.35, whichever is greater) of the full outstanding balance.
Need help deciding which credit card is right for you?
You can
Simply call 0818 724 725 or +353 1 771 2424 (Outside Ireland) (lines are open Monday to Friday 9am - 5pm), or drop into any AIB branch. We'll be happy to answer your questions and find the right kind of credit card for you.
For detailed information on the features of each card, please click on the product name to go to the particular product page.
Lending criteria, terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Government stamp duty of €30 is charged annually per credit card account. For more information, please see our Government Charges page.
Already have an AIB Credit Card and looking to swap it to another one of our credit cards?
If you would like to apply to swap your AIB Credit Card to another available AIB Credit Card, please fill out your contact details in the Callback Form to receive a call from an AIB staff member to discuss the cards available to you.
Need help managing your finances?
Start improving your financial situation now with this practical guide.
Some tips on managing your finances.
Any available option is subject to the analysis and understanding of your situation.
Existing AIB Credit Card Customer?
Lost & Stolen Cards
Report your card lost or stolen. Visit our Help Centre for all service related queries.
Regulatory information
Lending criteria, terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Government stamp duty of €30 is charged annually per credit card account. For more information, please see our Government Charges page.
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