Classic Credit Card

The everyday credit card with no annual fee. Suitable for all existing Bank of Ireland customers. Apply for your Classic Mastercard online in minutes or call us on 0818 200 412 - Monday to Friday, 8am - 8pm.

Image of Classic Credit Card

How to Apply

You can use our online application form below which only takes 5 minutes to complete. You can also call our credit card team if you have any questions or call into your local branch.

 

Apply Online Now

Existing customers can apply online today.

Call our credit card team

Existing and new customers can call us on 0818 200 412 Mon-Fri, 8am – 8pm & Sat, 10am – 2pm.

Visit your local branch

New customers can call into their local branch.


How old do you have to be to apply for a credit card?

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.

  • Will I be charged for using my credit card abroad?

    Purchases

    Eurozone Outside Eurozone
    Cross border handling fee None 2.25%
    Cash withdrawals Greater of €2.54 or 1.5% Greater of €2.54 or 1.5%

    ATM withdrawal limits

    The maximum daily withdrawal limits (below) depend on the type of ATM you use and the country you are in:

    ATM Chip & Pin Non Chip & Pin
    Maximum Daily Limit €700 €300

    You will be charged a cash withdrawal fee unless your credit card account is in credit when the transaction hits your account or has a zero balance after the transaction is completed.

    Was this helpful?
  • What is the Instalment Plan option?

    A perfect alternative to getting a small loan. Enables you to transfer a credit card purchase over €500 onto a lower rate of 6.9% variable annual percentage rate. Spreads the cost of the purchase as you pay it off in 12 equal monthly instalments as you won’t have to pay full amount off at the next payment day.

    Was this helpful?
  • How much is Government Stamp Duty?

    Credit Cards are liable to Government Stamp duty, currently €30 per account.

    Was this helpful?
  • How long is the balance transfer rate available for?

    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.

    Was this helpful?
  • What rates are variable and what rates are fixed?

    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.

    Was this helpful?
  • What does APR stand for?

    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.

    Was this helpful?
  • How old do you have to be to apply for a credit card?

    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.

    Was this helpful?


Apply Online now

Ways we can help