Classic Credit Card

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.

• 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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• How long is the balance transfer rate available for?

  The balance transfer rate is available for a maximum period of 7 months from the date of account opening.

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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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• 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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• How much is Government Stamp Duty?

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

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• What is the Instalment Plan option?

  A perfect alternative to getting a small loan. Enables you to transfer a credit card purchase of €250 or more at a great low rate of 6.7% variable (6.9% Annual Percentage Rate). Spreads the cost of the purchase as you pay it off in 6, 12 or 24 equal monthly instalments meaning you won’t have to pay full amount off at the next payment day.

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

  Purchases

  	Transactions in Euro	All other transactions
  Cross border handling fee	None	2.25%
  Cash Advance fee	1.5% subject to a minimum of €2.54 per transaction	A cash Advance fee of 1.5% will be applied to a Euro converted amount including the 2.25% Cross Border Handling Fee referred to above subject to a minimum of €2.54 per transaction

  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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