Credit Card Rates for existing products which can no longer be opened by new customers
Variable Rates correct as of 29 June 2019
|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%|
|Clear Card||19.9% APR||14.35%||21.36%||6.7%|
To upgrade to a new product or to discuss your credit card rate please contact us at 1890251251
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
Copy Statement Fees
- For the 1st page of each individual statement; €3.80
- For each subsequent page of statement; €2.50
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 up to 2.25% 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.
A processing fee of 1%, minimum €1.27 and €6.35 maximum will be charged where payment to a credit card is made by foreign cheque.
Late Payment Fee:
Over Limit Fee:
Clear Cards €6.25, All other Cards €7.50
Terms and Conditions
Please note that revised terms and conditions and schedule of interest rates, fees and charges will be effective from 23 November 2020. Please see the guide below which outlines the upcoming changes. The revised terms and conditions and schedule of interest rates, fees and charges are also available below to view and download.
Current Terms and Conditions
Useful LinksBank of Ireland Credit Cards
Classic Credit Card
Platinum Credit Card
Affinity Credit Card
Student Credit Card