Rates
| Transaction Type | Typical Variable APRS | Interest Rates Variable |
Interest Rates Fixed |
|---|---|---|---|
| Purchases | 22.7% | 14% | – | Cash Advances | – | 21.36% | – |
| Instalment Plan | 6.9% | 6.7% | – |
| Introductory Rates on Balance Transfers | – | – | |
| Introductory Rates on Purchases | – | – |
Representative example of Aer Credit Card purchase at standard interest rate of 14% variable. Typical Annual Percentage Rate (APR) of 22.7% variable including annual Government Stamp Duty of €30 and an Annual charge of €78 (this is made up of 12 monthly charges of €6.50). Assuming purchase of €3,000 repaid in equal instalments over a 12 month period. The total amount repayable by customer is €3,335.50 which includes initial purchase of €3,000 and a total cost of credit of €335.50.
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 seven months from the date of account opening. Customers who do not provide details of a balance to be transferred will automatically receive 0% fixed interest on purchases for a period of six months from the date of account opening. After six months from the date of account opening 0% fixed interest on purchases reverts to the standard variable purchase rate applicable to your card and the standard variable purchase rate will apply to the balance outstanding at that time. After 7 months the fixed interest rate of 0% on balance transfers reverts to the standard variable purchase rate applicable to your card. Rates currently applicable to Bank of Ireland personal credit cards are outlined in the table above. Rates quoted are effective as at 2 April 2023 and are subject to change. Lending criteria and terms and conditions apply.