Credit Card Comparison

Choose a Bank of Ireland credit card today and avail of the great features and benefits below. It only takes a few minutes to apply online and you can usually be approved in 24 hours.1

Aer Credit Card
Classic Credit Card
Platinum Credit Card
Affinity Credit Card
Student Credit Card
Account Fee Yes – €6.50 per month No Yes – €76.18 annually No No
Added Value Rewards Programmes Travel Rewards N/A N/A N/A N/A
Standard Interest Rate on Purchases 14% variable 16.12% variable 13.79% variable 14.57% variable 14.54% variable
Annual Percentage Rate (APR) 22.7% APR variable 22.1% APR variable 19.6% APR variable 20.2% APR variable 20.2% APR variable
Introductory Rate on Purchases2 0% fixed interest for first 6 months 0% fixed interest for first 6 months 0% fixed interest for first 6 months N/A 0% fixed interest for first 6 months
Introductory Rate on Balance Transfers2
OR
0% fixed interest for first 7 months
OR
0% fixed interest for first 7 months
OR
0% fixed interest for first 7 months 		2.9% fixed interest for first 12 months N/A
Multi Trip Travel Insurance Yes No Yes No Yes
Up to 56 Days Interest Free Purchases Yes Yes Yes Yes Yes
Salary Requirements €16,000 €16,000 €40,000 €16,000 N/A
Must Pay by Direct Debit No No No No Yes
Minimum Credit Limit €1600 €1000 €2500 €1000 €600
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Aer Credit Card
Image of Aer Credit Card

Account Fee: Yes – €6.50 per month

Added Value Rewards Programmes: Travel Rewards

Standard Interest Rate on Purchases: 14%

Annual Percentage Rate (APR): 22.7% APR variable

Introductory Rate on Purchases: 0% fixed interest for first 6 months

OR

Introductory Rate on Balance Transfers: 0% fixed interest for first 7 months

Multi Trip Travel Insurance: Yes

Up to 56 Days Interest Free Purchases: Yes

Salary Requirements: 16,000

Must Pay by Direct Debit: No

Minimum Credit Limit: 1600

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Classic Credit Card
Image of Classic Credit Card

Account Fee: No

Added Value Rewards Programmes: N/A

Standard Interest Rate on Purchases: 16.12%

Annual Percentage Rate (APR): 22.1% APR variable

Introductory Rate on Purchases: 0% fixed interest for first 6 months

OR

Introductory Rate on Balance Transfers: 0% fixed interest for first 7 months

Multi Trip Travel Insurance: No

Up to 56 Days Interest Free Purchases: Yes

Salary Requirements: 16,000

Must Pay by Direct Debit: No

Minimum Credit Limit: 1000

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Platinum Advantage Card
Image of Platinum Advantage Card

Account Fee: Yes – €76.18 annually

Added Value Rewards Programmes: N/A

Standard Interest Rate on Purchases: 13.79%

Annual Percentage Rate (APR): 19.6% APR variable

Introductory Rate on Purchases: 0% fixed interest for first 6 months

OR

Introductory Rate on Balance Transfers: 0% fixed interest for first 7 months

Multi Trip Travel Insurance: Yes

Up to 56 Days Interest Free Purchases: Yes

Salary Requirements: 40,000

Must Pay by Direct Debit: No

Minimum Credit Limit: 2500

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Affinity Credit Card
Image of Affinity Credit Card

Account Fee: No

Added Value Rewards Programmes: N/A

Standard Interest Rate on Purchases: 14.57%

Annual Percentage Rate (APR): 20.2% APR variable

Introductory Rate on Purchases: N/A

Introductory Rate on Balance Transfers: 2.9% fixed interest for first 12 months

Multi Trip Travel Insurance: No

Up to 56 Days Interest Free Purchases: Yes

Salary Requirements: 16,000

Must Pay by Direct Debit: No

Minimum Credit Limit: 1000

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Student Credit Card
Image of Student Credit Card

Account Fee: No

Added Value Rewards Programmes: N/A

Standard Interest Rate on Purchases: 14.54%

Annual Percentage Rate (APR): 20.2% APR variable

Introductory Rate on Purchases: 0% fixed interest for first 6 months

Introductory Rate on Balance Transfers: N/A

Multi Trip Travel Insurance: Yes

Up to 56 Days Interest Free Purchases: Yes

Salary Requirements: N/A

Must Pay by Direct Debit: Yes

Minimum Credit Limit: 600

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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.

Over 18s only. Lending criteria, terms and conditions apply.

1 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.
2 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.