Credit Cards

Choose a Bank of Ireland credit card today and avail of the great features and benefits below. You can apply in minutes and most approvals happen within 24 hours of a completed application.5

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Aer Credit Card

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Bank of Ireland and Aer Lingus have teamed up to bring you the Aer Credit Card. One that turns your spend into amazing travel rewards. Let the adventures begin! Subject to €6.50 monthly fee1. 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.

Features

  • 2 return flights to Europe2
  • 2 Lounge Passes3
  • Worldwide Travel Insurance4

Benefits

  • 0% Introductory offers5
  • Get approved in 24 hours6
  • Instalment plan options
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Classic Credit Card

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The credit card with no annual fee. Representative example of Classic Credit Card purchase at standard interest rate of 16.12% variable. Typical Annual Percentage Rate (APR) of 22.1% 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 €1661.01 which includes initial purchase of €1,500 and a total cost of credit of €161.01.

Features

  • 0% introductory offers5
  • No transaction fees7
  • No annual fee1

Benefits

  • Get approved in 24 hours6
  • Instalment plan options
  • Add cardholders for free
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Platinum Credit Card

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Our lowest interest rate credit card available for new and existing Bank of Ireland customers. Subject to €76.18 annual fee1. Representative example of Platinum credit card purchase at standard interest rate of 13.79% variable. Typical Annual Percentage Rate (APR) of 19.6% variable including annual Government Stamp Duty of €30 and an Annual Charge of €76.18. Assuming purchase of €5,000 repaid in equal instalments over a 12 month period. The total amount repayable by customer is €5,479.71 which includes initial purchase of €5,000 and a total cost of credit of €479.71.

Features

  • 0% introductory offers5
  • No transaction fees7
  • Instalment plan options

Benefits

  • Get approved in 24 hours6
  • Our lowest interest rate card
  • Worldwide travel insurance4
Apply Online Find Out More

Affinity Credit Card

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With our Affinity Credit Cards, you not only get all the advantages of a great credit card, Bank of Ireland also makes a donation to the college you choose and will donate a percentage of your annual expenditure at no expense to you. Representative Example of credit card purchase at standard interest rate of 14.57% variable. Typical APR of 20.2% 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 €1,648.38 which includes initial purchase of €1,500 and a total cost of credit of €148.38.

Features

  • College branded card
  • No transaction fees7
  • No annual fee1

Benefits

  • Get approved in 24 hours6
  • Instalment plan options
  • Emergency cash service
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Student Credit Card

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The Bank of Ireland Student Credit Card is specifically designed to suit your budget, lifestyle and financial needs. It is easy to apply for and subject to approval, gives you an immediate credit limit of €600 in your first or second year of full time study and up to €1,000 if you’re in third year or above of full time study. Representative example of Student credit card purchase at standard interest rate of 14.54% variable. Typical APR of 20.2% 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 €1,648.14 which includes initial purchase of €1,500 and a total cost of credit of €148.14.

Features

  • Up to €1,000 credit limit
  • No annual account fee1
  • 0% introductory offers5

Benefits

  • Get approved in 24 hours6
  • Free travel insurance
  • Emergency Cash Service
Apply Online Find Out More
Interest is charged on cash advances and outstanding balances. Purchase Interest is charged if you don’t pay your credit card in full by your due date.
Over 18s only.

Representative Examples

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.
Representative example of Classic Credit Card purchase at standard interest rate of 16.12% variable. Typical Annual Percentage Rate (APR) of 22.1% 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 €1661.01 which includes initial purchase of €1,500 and a total cost of credit of €161.01.
Representative example of Platinum credit card purchase at standard interest rate of 13.79% variable. Typical Annual Percentage Rate (APR) of 19.6% variable including annual Government Stamp Duty of €30 and an Annual Charge of €76.18. Assuming purchase of €5,000 repaid in equal instalments over a 12 month period. The total amount repayable by customer is €5,479.71 which includes initial purchase of €5,000 and a total cost of credit of €479.71.
Representative Example of Affinity credit card purchase at standard interest rate of 14.57% variable. Typical APR of 20.2% 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 €1,648.38 which includes initial purchase of €1,500 and a total cost of credit of €148.38.
Representative example of Student credit card purchase at standard interest rate of 14.54% variable. Typical APR of 20.2% 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 €1,648.14 which includes initial purchase of €1,500 and a total cost of credit of €148.14.
1

The Government stamp duty of €30 also applies.
2

Taxes, fees and charges apply. Available when you spend €5,000 or more within a Reward Year on the Aer Credit Card, except for Excluded Transactions. Free return fares are for any European Aer Lingus ticketed and operated flights to / from Dublin, Cork, Shannon or Belfast. A minimum of two seats per flight will be available, except for Restricted Periods. Seat availability on the Aer Lingus website or through a booking agent does not guarantee a free return fare. For more information on restricted periods and excluded Transactions see the Aer Credit Card Travel Rewards Terms and Conditions.
3

To access Aer Lingus operated lounges at Dublin, Cork, Shannon and Belfast Airports every Reward Year.
4

Underwriting, terms and conditions apply. Travel insurance is arranged by Bank of Ireland Insurance Services and is underwritten by Chubb European Group SE. Bank of Ireland Insurance Services Limited trading as Bank of Ireland Insurance Services and Bank of Ireland Insurance is regulated by the Central Bank of Ireland. A member of Bank of Ireland Group. Chubb European Group SE is authorised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) in France and is regulated by the Central Bank of Ireland for conduct of business rules.
5

0% fixed interest available for new credit card customers for the first 6 months for purchases or 7 months for balance transfers from the date of account opening. At the end of the introductory period the annual interest rates will revert to the standard variable interest rate applicable to your card at that time. Balance Transfer introductory rates are not available on Student Credit Cards.
6

24 hour approval means next working day provided that we are in receipt of all relevant information and documentation. Applications for non Bank of Ireland customers and applications referred to underwriting may take longer.
7

Cross border handling fee applies to non-euro transactions

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