Credit Cards

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 be approved in 24 hours.

Compare Credit Cards

Image of Classic Credit Card Classic Credit Card Image of Platinum Advantage Card Platinum Advantage Card Image of Affinity Credit Card Affinity Credit Card Image of Student Credit Card Student Credit Card
Annual Account Fee No Yes No No
Standard Interest Rate on Purchases 22.1% APR variable 19.6% APR variable 20.2% APR variable 20.2% APR variable
Introductory Rate on Purchases 0% for first 6 months 0% for first 6 months N/A 0% for first 6 months
Introductory Rate on Balance Transfers 0% APR fixed for first 7 months 0% APR fixed for first 7 months 2.9% APR fixed for first 12 months N/A
Multi Trip Travel Insurance No Yes No Yes
Up to 56 Days Interest Free Purchases Yes Yes Yes Yes
Salary Requirements €16,000 €40,000 €16,000 N/A
Must Pay by Direct Debit No No No Yes
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Classic Credit Card
Image of Classic Credit Card

Annual Account Fee: No

Introductory Rate on Purchases: 0% for first 6 months

Introductory Rate on Balance Transfers: 0% APR fixed 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

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Platinum Advantage Card
Image of Platinum Advantage Card

Annual Account Fee: Yes

Introductory Rate on Purchases: 0% for first 6 months

Introductory Rate on Balance Transfers: 0% APR fixed 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

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Affinity Credit Card
Image of Affinity Credit Card

Annual Account Fee: No

Introductory Rate on Purchases: N/A

Introductory Rate on Balance Transfers: 2.9% APR fixed 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

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Student Credit Card
Image of Student Credit Card

Annual Account Fee: No

Introductory Rate on Purchases: 0% 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

Apply Online Find Out More

Representative Examples

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 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.