Classic Credit Card
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Looking for a smarter, better value credit card? With the Bank of Ireland Classic credit card, you pay no annual account fee and you can choose to pay 0% APR on purchases or 3.9% on balance transfers for your first six months as a new customer. That means you can buy what you want now and pay no interest for up to six months on purchases |
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Features
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Manage your credit card online anytime of the day, anywhere in the world. Check your balance, view your statement or pay a bill*
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Payment Protection Cover and Enhanced Purchase Protection (optional)
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Add up to three cardholders, no extra stamp duty
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Clear balance before due date each month and enjoy up to 56 days of interest-free credit
Cash Advance Rate of 26.0% APR
*To register for Bank of Ireland 365, you must have a Bank of Ireland personal current account. Terms and conditions apply to the use of 365 services.
Introductory offers apply to new Credit Card customers only. Balance transfers may not be made from existing Bank of Ireland credit cards or from Credit Cards outside the Republic of Ireland or United Kingdom. The balance transfer rate is available for a maximum period of six months from the date of account opening. After six months from the date of account opening 0% APR on purchases and 3.9% APR on balance transfers reverts to the standard variable rates applicable to your card and the standard variable rate will apply to the balance outstanding at that time. 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
Download the latest Credit Card Rates, Fees and Charges (PDF, 80kb)
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 | |
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| 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.
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 Classic Credit Card Terms and Conditions - January 2012
Download the Classic Credit Card Terms & Conditions (PDF, 91KB)
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.
- Introductory offers apply to new customers only.
- Balance transfers may not be made from existing Bank of Ireland credit cards or from credit cards outside the Republic of Ireland or United Kingdom.
- The balance transfer rate is available for a maximum period of 6 months from the date of account opening (12 months for Platinum Advantage). Customers who do not provide details of a balance to be transferred will automatically receive 0% APR on purchases for a period of 6 months from the date of account opening.
- After 6 months (12 months for Platinum Advantage) the fixed rate of 3.9% APR fixed on balance transfers reverts to the standard variable rate applicable to your card.
- After 6 months from the date of account opening 0% APR on purchases reverts to the standard variable rate applicable to your card and the standard variable rate will apply to the balance outstanding at that time.
- 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
- 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.
- 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.
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Classic Credit Card Representative Example of credit card purchase at standard interest rate of 14.44% variable. Typical APR of 17.9% 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 €1,667.19 which includes initial purchase of €1,500 and a total cost of credit of €167.19 |