Clear Credit Card
|
The Clear Credit Card is the low rate Card from Bank of Ireland. It has our low rate of 13.8% APR for purchases* which is one of the most competitive rates around. Remember you do not have to be an existing Bank of Ireland customer to apply for a Bank of Ireland Clear Credit Card |
|
Features
- Apply online only
- One of the lowest Credit Card APR's available in Ireland
- Add up to three extra cardholders to your account and pay just one annual government stamp duty fee
- Clear balance before due date each month and enjoy up to 56 days of interest-free credit
- 24 Hour Emergency Helpline
- Use your card at 24 million outlets worldwide
* Cash Advance Rate of 26.0% Apr
Lending criteria terms and conditions apply to all credit cards. Credit cards are liable to Government Stamp Duty of €30. Credit cannot be offered to anyone under 18 years of age.
Rates
Rates, Fees and Charges for currently offered Credit Card products
Rates for Standard Advantage Card, Gold Advantage Card or Twin*
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 |
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.
To read these files you will need the Adobe Acrobat Reader, which is available free of charge from Adobe's Website. Download PDF reader.
Terms and Conditions
Download Clear Credit Card Terms and Conditions – January 2012
Download Clear Credit Card Terms & Conditions (PD,F 117KB)
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.
- 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 of Ireland Life and Genworth Financial. Terms & Conditions apply.
|
Clear Credit Card Representative Example of credit card purchase at standard interest rate of 10.90% variable. Typical APR of 13.8% 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 €1,632.92 which includes initial purchase of €1,500 and a total cost of credit of €132.92 |