Platinum Advantage Credit Card

Lowest interest rate credit card available for existing Bank of Ireland customers. Apply for your Platinum Advantage Mastercard online in minutes or call us on 0818 200 412 - Monday to Friday, 8am - 8pm.

Image of Platinum Advantage Credit Card

Features & Benefits

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

With the Platinum Advantage Credit Card you get:

  • Google Pay is now available on android devices: Click here to find out how you can make quick, easy and contactless payments using your phone.

  • 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: Comprehensive multi-trip travel insurance including winter sports when at least 50% of the total holiday costs of your insured journey are 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 or download the form here.
  • Well protected: Chargeback Rights: You are protected when you use your credit card to make purchases in the event of loss or non-receipt of goods / services and in the event of fraudulent activity.
  • 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 €504 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% interest on purchases available for new credit card customers for the first 6 months. After 6 months from the date of account opening standard 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 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 This is currently the domestic limit for contactless transactions, higher or lower limits may apply outside of Republic of Ireland.

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