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UCD Affinity Card

Support UCD, and get all the advantages of a great credit card that you can use at 24 million outlets worldwide.

When you sign up for a UCD affinity card, we will make a donation to UCD.

We will also donate a percentage of every euro you spend on your card to the UCD Affinity fund - all at no extra cost to you.

UCD Affintiy Card

Apply Online

Features

 Besides helping your college, a UCD affinity card offers you much more again:

  • 17.4% Variable APR for purchases, 22.6% Variable APR for cash advances
  • A balance transfer rate of 2.9% APR fixed for a full year, if you transfer an outstanding balance from a competitor credit card.
  • No annual account fee
  • Add more cardholders but pay only one government stamp duty
  • 24 Hour Emergency Helpline

Lending criteria terms and conditions apply. Credit cards are liable to Government Stamp Duty annually, currently €30, per account. Credit cannot be offered to anyone under 18 years of age. Bank of Ireland is regulated by the Central Bank of Ireland.

Rates

Rates, Fees and Charges for currently offered Credit Card products

 

Credit Card Rates for existing products which can no longer be opened by new customers

Rates correct as of October 17th 2011

 

Purchases

Cash Advances

Standard Advantage

21.6% APR

26.0% APR

Gold Advantage

19.3% APR

26.0% APR

Twin*

22.8% APR

26.0% APR

* Rates, Fees and Charges also applicable to Visa Personal, Personal MasterCard and Standard MasterCard Schemes

To upgrade to a new product or to discuss your credit card rate please contact us at 1890 251 251.

Fees and Charges applicable to Standard Advantage, Gold Advantage and Twin Credit Cards

Unpaid/Returned Direct Debits: €3.17

Copy Statement Fees:
For the 1st page of each individual statement; €3.80
For each subsequent page of statement; €2.50

Cross Border Handling Fee:
A cross-border handling fee will not apply to transactions in euro. All other transactions will be subject to a cross-border handling fee of up to 1.75% of the transaction.

Cash advance Fee: 1.5% subject to a minimum of €2.54 per transaction

Government Stamp Duty: €30.00

A processing fee of 1%, minimum €1.27 and €6.35 maximum will be charged where payment to a credit card is made by foreign cheque.

Terms & Conditions

Download Clear Credit Card Terms and Conditions - January 2012

Download the Affinity Credit Card Terms & Conditions (PDF, 120KB)

Download Adobe Acrobat reader from the Adobe website To read these files you will need the Adobe Acrobat Reader, which is available free of charge from Adobe's Website. Download PDF reader.

 

 

Guidance on our Credit Card Facilities

To apply for a credit card you must be 18 years of age or over. We apply lending criteria when you apply for a Credit Card and we decide to approve applications for Credit Cards based on them. If we approve a Credit Card for you, terms and conditions will apply but we will make sure you have these before you commit to the facility.

Some important information to be aware of

Interest Rates and Fees and Charges

  • APR: This stands for Annual Percentage Rate which is the annual rate of interest you will be charged on a credit card it takes account of all the costs involved for the card, such as annual fees and the interest rate.
  • All rates quoted for credit cards are variable except for introductory rates and balance transfer rates which are fixed for the period of time specified.
  • Balance transfers may not be made from existing Bank of Ireland credit cards or from creditcards outside the Republic of Ireland or United Kingdom.
  • The balance transfer rateis available for a maximum period of 12 months from the date of account opening.
  • After 12 months the fixed rate of 2.9% APR onbalance transfers reverts to the standard variable rate applicable to your card.
  • Credit Cards are liable to Government Stamp duty, currently €30 per account
  • All information and rates quoted are effective as at 1st January 2012 and are subject to change
  • All Credit Card applicants must be resident in the Republic of Ireland at the time of application
  • The Principal Cardholder remains solely liable for all charges incurred by the additional cardholders.

Additional Services

  • Purchase Protection Insurance is arranged by Bank of Ireland Insurance Services Limited and underwritten by Genworth Financial.
  • Terms and Conditions apply to Bank of Ireland 365 online services. This service is only available to Bank of Ireland current account holders.
  • Payment Protection is available through Bank of Ireland Insurance Services Limited from New Ireland Assurance Company plc, trading as Bank ofIreland Life and Genworth Financial. Terms & Conditions apply.
  • Travel Insurance is arranged by Bank of Ireland Insurance Services Limited through Bank of Ireland Card Services and underwritten by Chartis Insurance Ireland Limited. Terms and conditions apply.

 

Affinity Credit Card

Representative Example of credit card purchase at standard interest rate of 14.01% variable. Typical APR of 17.4% variable including annual Government Stamp Duty of €30. Assuming purchase of €1,500 repaid in equal instalments over a 12 month period. The total amount repayable by customer is €1,663.65 which includes initial purchase of €1,500 and a total cost of credit of €163.65
Free multi-trip travel insurance with a standard Affinity Card. That's right! Get approved for a standard Affinity Credit Card between April and June 2012 and we'll provide comprehensive multi-trip travel insurance for you and your family for a whole year. The insurance covers the cardholder, their spouse/partner and their children aged under 23 travelling with the insured on an Insured Journey. Cover applies once the Insured Person has paid for at least 50% of their total fare for the Insured Journey using their Affinity Credit Card, whether that journey is for business, pleasure, worldwide or nearer to home. The travel insurance even covers winter sports! Annual Government stamp duty applies, currently EUR30 per annum. "Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future." The Travel Insurance cover is underwritten by Chartis Insurance Ireland Limited registered in Ireland No: 53654. Its registered office is Chartis House, Merrion Road, Dublin 4. Chartis Insurance Ireland Limited is regulated by the Central Bank of Ireland as a non life insurance company. Chartis Insurance Ireland Limited's VAT Number is 4102742A. Bank of Ireland is regulated by the Central Bank of Ireland.