Features & Benefits
Introductory offer
0%fixed interest on purchases for first 6 months
or
0%fixed interest on balance transfers for first 7 months
19.6% APR variable applies afterwards.
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.
With the Platinum Credit Card you get:
- Control your cards at your fingertips: We’ve introduced new card features to 365 Online for your credit and debit cards. You can freeze and unfreeze your card, view the card PIN and much more.
- Pay with your Smartphone/devices: You can make quick, easy and contactless payments using your phone/devices with Apple Pay and Google Pay.
- Annual fee of €76.18. Pay no transaction fees when you use your credit card to pay for goods and services. You will have to pay a 2.25% cross border handling fee for non-Euro transactions. Also liable to annual Government Stamp Duty of €30.
- Interest free credit on purchases: Pay your bill in full and on time every month and do not pay any interest on purchases. Enjoy up to 56 days interest free credit on what you buy. Interest is charged on unpaid balances and on cash advances from the date of the transaction.
- 24 Hour approval: We can usually approve your application within one working day. Once approved you can usually get your card within a week.
- Lowest interest rate card: Our lowest interest rate credit card.
- Travel Insurance: You can get comprehensive multi-trip travel insurance with winter sports. This applies when you pay at least half of the total cost of your travel fare with your credit card.
- Instalment options: The credit card instalment plan means you can spread out the cost of bigger things you pay for.
- Free Additional Cardholders: You can add up to 3 extra cardholders to your credit card account. You only pay one Government stamp duty (tax) of €30 every year.
- Emergency Cash Service: If you lose your card when abroad, we will cancel it for you. If you are abroad, we can provide you with an Emergency Cash Advance Facility in most countries (Subject to available credit, fees and charges may apply).
- Paying with Contactless: In the Republic of Ireland, you can make payments up to €50 by just tapping your card on the reader. This figure will vary in other countries.
- Exclusive access to Mastercard Presales: On selected live events with your Bank of Ireland Mastercard. Get early access to tickets before general sale. Go to priceless™ | Bank of Ireland for more information.
Important: Bank of Ireland will never ask for your online banking details, one-time activation codes, or ask you to transfer money to secure your tickets. Always access the offer through the Bank of Ireland Mastercard Presales page above. To protect yourself from fraud and scams, only purchase tickets through the official Ticketmaster website
It only takes a couple of minutes to apply online.
There are terms and conditions and requirements for lending for all credit cards.
Apply online for Platinum Credit Card
Warning: If you do not meet the repayments on your credit card, your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL-agreement in the future.
Caution! There is a financial cost to borrowing money.