Platinum Credit Card

Lowest interest rate credit card. Apply for your Platinum credit card online in minutes or call us on 0818 200 412 - Monday to Friday, 9am - 5pm.

Apply Online Now
It’s taking us a little longer than usual to process applications, but we will let you know when yours is done.

Features & Benefits

Introductory offer
0%fixed interest on purchases for first 6 months1
0%fixed interest on balance transfers for first 7 months2

With the Platinum Credit Card you get:

  • Control your cards at your fingertips: We’ve introduced new features to Banking 365 for your credit and debit cards. You can freeze and unfreeze your card, view the card PIN, order a replacement and much more. See all our new card features here.
  • Mobile payments are now available: You can make quick, easy and contactless payments using your phone/ devices. Click here to find out more about Apple Pay and click here for Google Pay.
  • No transaction fees: Pay no transaction fees when you use your credit card to pay for goods and services. Cross border handling fees apply to non-Euro transactions.
  • Interest free credit: Pay your bill in full and on time every month and don’t pay any interest on purchases. Enjoy up to 56 days interest free credit on what you buy. Interest is charged on cash advances and outstanding balances.
  • 24 Hour approval:3 and get your card within 1 week.
  • Lowest interest rate card: Our lowest interest rate credit card.
  • Free Travel Insurance:4 Comprehensive multi-trip travel insurance including winter sports when at least 50% of the total trip fare (transportation cost) of your insured journey is paid using your card.
  • Low cost instalment option: Spread the cost of larger purchases at a great low rate by taking advantage of our unique credit card Instalment Plan. Click here for more information.
  • Free Additional Cardholders: Add up to 3 additional cardholders and still pay government stamp duty only once. Click here to apply now.
  • Emergency Cash Service: Should you lose your card while abroad, we’ll cancel your card. 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: Contactless payments allows you to make purchases up to the value of €505 at home and abroad by simply tapping your card on the reader.
  • Exclusive offers and experiences: As a Bank of Ireland MasterCard customer, you will get access to exclusive experiences, offers and benefits in Ireland or when exploring other destinations abroad with MasterCard Priceless Cities at

It only takes a couple of minutes to complete the online application.

Apply Online Now

Lending criteria terms and conditions apply to all credit cards. 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.

1 0% fixed interest on purchases available for new credit card customers for the first 6 months. After 6 months from the date of account opening standard variable interest will apply to purchases the details of which are outlined in the rates section.
2 Available for new credit card customers for the first 7 months from the account opening. At the end of the introductory period the annual interest rates will revert to the standard variable purchase rate applicable to your card at that time.
3 24 hour approval means next working day provided that we are in receipt of all relevant information and documentation. Applications for non Bank of Ireland customers and applications referred to underwriting may take longer.
4 Underwriting, terms and conditions apply. Travel insurance is arranged by Bank of Ireland Insurance Services and is underwritten by Chubb European Group SE. Bank of Ireland Insurance Services Limited trading as Bank of Ireland Insurance Services and Bank of Ireland Insurance is regulated by the Central Bank of Ireland. A member of Bank of Ireland Group. Chubb European Group SE is authorised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) in France and is regulated by the Central Bank of Ireland for conduct of business rules.
5 This is currently the domestic limit for contactless transactions, higher or lower limits may apply outside of Republic of Ireland.

Ways we can help