Features & Benefits
When you travel, it is always good to have access to extra funds for flights, places to stay, extra spending, or emergencies. That is where a student credit card can help. Plus, with our great first offer, you will pay 0% fixed interest on purchases for the first 6 months.
If you have recently graduated, you can still get this Student Credit Card for 2 years after you finish studying. Click here to apply now.
To apply for a student credit card, you need to:
- Be over 18
- Show proof that you are studying full-time or have recently graduated.
- Already be a Bank of Ireland customer with a student current account or a graduate current account with Bank of Ireland for at least 6 months.
With the Student 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, order a replacement and much more.
- Pay with Your smartphone/devices: You can use Apple Pay and Google Pay on your phone or other devices to make quick, easy, and contactless payments.
- 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.
- Credit Limit Up to €1,000: You can get a €600 credit limit immediately if you are in your first or second year of full-time study. You can get a credit limit of up to €1,000 if you are in your third year or higher of full-time study.
- No annual account fee:2 There are no hidden fees or charges.
- Quick approval:3 If we have all the information and documents we need, you can often get approved for this card within one working day. Once your application is approved you can usually get your new credit card within a week.
- Travel insurance:4 Worldwide multi-trip travel insurance feature.
- Emergency Money Abroad: 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.
- Special Offers and Experiences with Mastercard Priceless: As a Bank of Ireland Mastercard Customer, you can enjoy exclusive benefits in Ireland and also when you travel abroad. Search “Mastercard Priceless” online for more information.
- No interest is charged on your Credit Card Account provided you pay your bill in full by the payment due date. Interest is charged on unpaid balances and on cash advances from the date of the transaction.
- Choose Your Payment Amount: You can choose how much to pay each month (but it must be at least 2.5% or €5, whichever is higher).
It only takes a few minutes to fill out the application online.
There are terms and conditions and lending requirements for all credit cards.
Representative example of Student credit card purchase at standard interest rate of 14.54% variable. Typical Annual Percentage Rate (APR) of 20.2% variable including annual Government stamp duty of €30. Assuming purchase of €1,500 repaid in equal instalments over a 12 month period. The total amount repayable by customer is €1,648.14 which includes initial purchase of €1,500 and a total cost of credit of €148.14.
