Credit Card Rates for existing products which can no longer be opened by new customers
Variable Rates correct as of 2 April 2023
|
Typical Variable APRs |
Variable Interest Rates |
|
Purchases
|
Purchases
|
Cash Advances
|
Instalment Plan
|
|
Standard Advantage
|
24.5% APR
|
18.11%
|
21.36%
|
6.7%
|
|
Gold Advantage
|
22.2% APR
|
16.21%
|
21.36%
|
6.7%
|
|
Personal
|
25.7% APR
|
19.10%
|
21.36%
|
6.7%
|
|
Clear Card
|
19.9% APR
|
14.35%
|
21.36%
|
6.7%
|
|
Switch Credit Card
|
19.5% APR
|
14%
|
20%
|
6.7%
|
To upgrade to a new product or to discuss your credit card rate please contact us at
0818251251
Fees and Charges applicable to Clear Credit Card, Standard Advantage, Gold Advantage and Personal Credit Cards
Unpaid/Returned Direct Debits
- €3.17 Standard Advantage, Gold Advantage and Personal credit cards
- €9.50 Clear Cards
Cross Border Handling Fee:
A cross-border handling fee will not apply to transactions in euro. All other transactions will be subject to a cross-border handling fee of 2.25% of value of the transaction.
Cash advance Fee:
Transactions in euro: 1.5% subject to a minimum of €2.54 per transaction
Non euro transactions: A Cash Advance fee of 1.5% will be applied to the euro converted amount including the 2.25% cross border handling fee referred to above, subject to a minimum of €2.54 per transaction.
Government Stamp Duty:
€30.00 charged annually.
Late Payment Fee:
€7.50
Over Limit Fee:
Clear Cards €6.25, All other Cards €7.50
Fees and Charges applicable to Switch Credit Cards
| Fees and Charges |
| Unpaid Cheques/Direct Debits/Standing Orders |
€7.00 |
| Cross Border Handling Fee |
Transactions in Euro: No charge All other transactions: 2% of value of transaction |
| Cash Advance Fee |
Transactions in Euro: 1.5% subject to a minimum of €1.90 per transaction Non-Euro transactions: A Cash Advance fee of 1.5% will be applied to a Euro converted amount including the 2% Cross Border Handling Fee referred to above subject to a minimum of €1.90 per transaction. |
| Government Stamp Duty |
€30.00 charged annually |
| Late Payment Fee |
€7.00 |
| Over Limit Fee |
€7.00 |
Terms and Conditions
Useful Links
Bank of Ireland Credit Cards
Classic Credit Card
Platinum Credit Card
Affinity Credit Card
Student Credit Card