Classic Credit Card

The everyday credit card with no annual fee. Apply for your Classic Mastercard online in minutes or call us on 0818 200 412 - Monday to Friday, 9am - 5pm.

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Rates

Rates for the Classic Credit Card

Transaction Type Typical Variable APRS Interest Rates
Variable
Interest Rates
Fixed
Purchases 22.1% 16.12%
Cash Advances 21.36%
Instalment Plan 6.9% 6.7%
Balance Transfers
0% for first 7 months
Introductory Rates on Purchases
OR

0% for first 6 months

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.

Click Here for Credit Card Rates for existing products which can no longer be opened by new customers
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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 5 November 2021 and are subject to change. Lending criteria and terms and conditions apply.

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