Existing Rates

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

Variable Rates correct as of 23 November 2020

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%

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

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.

Late Payment Fee:


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