Features & Benefits
With the Classic Credit Card you get:
- Control your cards at your fingertips: We’ve introduced new card features to 365 Online for your credit and debit cards. You can freeze and unfreeze your card, view the card PIN, order a replacement and much more.
- Mobile payments are now available: You can make quick, easy and contactless payments using your phone/devices with Apple Pay and Google Pay.
- No transaction fees: Pay no transaction fees when you use your credit card to pay for goods and services. Cross border handling fees apply to non-Euro transactions.
- No annual fee: No additional annual fees are applied to your credit card. Credit Card Accounts are liable to annual Government Stamp Duty of €30.
- 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. 24 hour approval based on typical application volumes received. Approval may be longer during busy periods.
- Instalment options: Spread the cost of larger purchases by taking advantage of our unique credit card instalment plan.
- Free Additional Cardholders: Add up to 3 additional cardholders and still pay government stamp duty only once.
- Emergency Cash Service: Should you lose your card while abroad, we’ll cancel your card. If you are abroad we can provide you with an Emergency Cash Advance Facility in most countries (Subject to available credit, fees and charges may apply).
- Paying with Contactless: You can pay by simply tapping your card on the reader. €50 is currently the contactless limit in the Republic of Ireland, higher or lower limits may apply in other places.
- Interest free credit: Pay your bill in full and on time every month and don’t pay any interest on purchases. Enjoy up to 56 days interest free credit on what you buy. Interest is charged on cash advances and outstanding balances.
- Exclusive offers and experiences: As a Bank of Ireland MasterCard customer, you will get access to exclusive experiences, offers and benefits in Ireland or when exploring other destinations abroad with MasterCard Priceless Cities.
Lending criteria terms and conditions apply to all credit cards. Over 18s only.
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 €1,661.01 which includes initial purchase of €1,500 and a total cost of credit of €161.01.
