Existing Rates

Credit Card Rates for existing products which can no longer be opened by new customers

Variable Rates correct as of July 21st 2017

Typical Variable APRs Variable Interest Rates
Purchases Instalment Plan Purchases Cash Advances Instalment Plan
Standard Advantage 24.5% APR 6.9% 18.11% 21.36% 6.7%
Gold Advantage 22.2% APR 6.9% 16.21% 21.36% 6.7%
Twin * 25.7% APR 6.9% 19.10% 21.36% 6.7%
Clear Card** 19.9% APR 6.9% 14.35% 21.36% 6.7%

* Rates, Fees and Charges also applicable to Visa Personal, Personal MasterCard and Standard MasterCard Schemes
**Withdrawn from sale March 8th 2013

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, Twin and Gold Affinity Credit Cards

Unpaid/Returned Direct Debits

  • €3.17 Standard Advantage, Gold Advantage, Twin and Gold Affinity 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

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:

€7.50

Over Limit Fee:

Clear Cards €6.25, All other Cards €7.50

Terms and Conditions

Press Notice

Useful Links

Bank of Ireland Credit Cards
Classic Credit Card
Platinum Credit Card
Affinity Credit Card
Student Credit Card