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

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How to Apply

You can use our online application form below which only takes 5 minutes to complete. You can also call our credit card team if you have any questions or call into your local branch.


Apply Online Now

Existing customers can apply online today.

Call our credit card team

Existing and new customers can call us on 0818 200 412 Mon-Fri, 8am – 8pm & Sat, 10am – 2pm.

Visit your local branch

New customers can call into their local branch.

FAQs – Before you apply

  • How old do you have to be to apply for a credit card?

    To apply for a credit card you must be 18 years of age or over. We apply lending criteria when you apply for a Credit Card and we decide to approve applications for Credit Cards based on them. If we approve a Credit Card for you, terms and conditions will apply but we will make sure you have these before you commit to the facility.

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  • What does APR stand for?

    This stands for Annual Percentage Rate which is the annual rate of interest you will be charged on a credit card. It takes account of all the costs involved for the card, such as annual fees and the interest rate.

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  • How much is Government Stamp Duty?

    Credit Cards are liable to Government Stamp duty, currently €30 per account.

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  • What rates are variable and what rates are fixed?

    All rates quoted for credit cards are variable except for introductory rates and balance transfer rates which are fixed for the period of time specified.

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  • Will I be charged for using my credit card abroad?


    Eurozone Outside Eurozone
    Cross border handling fee None 2.25%
    Cash withdrawals Greater of €2.54 or 1.5% Greater of €2.54 or 1.5%

    ATM withdrawal limits

    The maximum daily withdrawal limits (below) depend on the type of ATM you use and the country you are in:

    ATM Chip & Pin Non Chip & Pin
    Maximum Daily Limit €700 €300

    You will be charged a cash withdrawal fee unless your credit card account is in credit when the transaction hits your account or has a zero balance after the transaction is completed.

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