Student Credit Card

The Bank of Ireland Student Credit Card is specifically designed to suit your budget, lifestyle and financial needs. It is easy to apply for and subject to approval, gives you an immediate credit limit of €500 in your first or second year of full time study and up to €1,000 if you’re in third year or above of full time study

Image of Student Credit Card

Features & Benefits

Introductory offer
0%interest on purchases for first 6 months1

When you’re travelling it’s always a good idea to have access to extra funds for flights, accommodation, extra spending money or emergencies. That’s where a student credit card can come in handy, and with our fantastic introductory offer you’ll pay 0% interest on purchases for the first 6 months.

Graduates can avail of the Student Credit Card for 2 years after graduation. Click here to apply now.

To apply for a student credit card, you must:

  1. Be over 18
  2. Provide proof you are attending a full time course or are a recent graduate
  3. Have a student current account or a graduate current account with any bank for at least 6 months

With the Student Credit Card you get

  • 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.
  • Up to €1,000 credit limit: Gives you an immediate credit limit of €500 in your first or second year of full time study and up to €1,000 if you’re in third year or above of full time study.
  • No annual account fee:1 No hidden fees or charges.
  • 0% interest on purchases: For the first 6 months2.
  • 24 hour approval:3 Get a credit card approved within 24 hours and receive your credit card within 1 week.
  • Free travel insurance: Free worldwide multi-trip travel insurance feature.
  • SuperValu Real Rewards:4 Use your personal Credit Card for purchases anywhere and earn Supervalu Real Rewards points. Simply link your Bank of Ireland personal credit card account and your Real Rewards card on boi.com/realrewards.
  • 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 is a fast, easy and secure way to pay for items. It’s ideal for quick stops at coffee shops, grocery stores and pharmacies at home and abroad. There is no need to put your card into the terminal or enter your PIN, all you have to do is simply hold your credit card against the card reader. When you use contactless, a unique code is generated for your payment –so your actual card details are never shared with the retailer.
  • 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 www.priceless.com
  • No interest is charged on your Credit Card Account provided you pay your bill in full by the payment due date.
  • Choose your own monthly repayment amount (minimum of 2.5% or €5, whichever is the greater).

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.

1 The Government stamp duty of €30 applies
2 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.
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 Interest is charged on cash advances and outstanding balances. Purchase Interest is charged if you don’t pay your credit card in full by your due date.

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