We’ve teamed up to bring
you Aer Credit Card.

Buy Smart. Fly Smart.
Brought to you in partnership with Aer Lingus.

Apply Now   Find Out More

Hello, travel rewards

Here at Bank of Ireland we’ve teamed up with Aer Lingus to bring you Aer Credit Card. So say hello to some pretty smart travel rewards. Here’s what you get:


That’s amazing annual travel rewards worth over €229* for €7.99 per month!

Just 2 steps to take-off

Step 1

APPLY NOW

Click on Apply Now to complete your Aer Credit Card application. It’s super quick to do. And you could be approved within 24 hours.(5)
 

Step 2

JOIN AERCLUB & LINK

Once you’re approved you’ll need to join AerClub, the loyalty programme of Aer Lingus and then link your Aer Credit Card with your AerClub account to unlock your travel rewards. It’s really important you do this.

TAKE OFF

Once you’ve linked your Aer Credit Card with your AerClub account
you’re ready to take advantage of all the great travel rewards on offer.

Features & Benefits

2 Free Return Fares: you pay taxes, fees and charges. Available when you spend €5,000 or more within a Reward Year on your Aer Credit Card, except for Excluded Transactions. Free return fares are for any European Aer Lingus ticketed and operated flights to/from Dublin, Cork, Shannon or Belfast. Travel restrictions apply.(1)

2 Fast Track & Priority Boarding Passes: on Aer Lingus operated flights out of Ireland at selected airports every Reward Year.

2 Lounge Passes: to access airport lounges at Dublin, Cork, Shannon and Belfast every Reward Year.

Avios: collect 1 Avios for every €1 you spend on Aer Lingus products and services. And 1 Avios for every €4 you spend on all other transactions. Avios can be used to save money on flights.(2)

Worldwide Multi Trip Travel Insurance: including winter sports.(3)

Introductory offer: 0% interest on purchases for first 6 months OR 0% interest on balance transfers for first 7 months.(4)

24 hour approval: and get your card within 1 week.(5)

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.

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.

Free Additional Cardholders: Add up to 3 additional cardholders and still pay government stamp duty only once.

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).

Contactless: Contactless is a fast, easy and secure way to pay for items.

Chargeback Rights: Your online purchases are never safer than when you pay with your Bank of Ireland MasterCard credit card. If something goes wrong, you can relax knowing that you’ll get your money back, whether your parcel gets lost in transit or your purchase is faulty or in the event fraudulent activity.

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.


  • Compare Cards

    Aer Credit Card
    Classic Credit Card
    Platinum Credit Card
    Platinum Credit Card
    Affinity Credit Card
    Student Credit Card
    Student Credit Card
    Account FeeYesNoYesNoNo
    Added Value Rewards ProgrammesTravel RewardsN/AN/AN/AN/A
    Standard Interest Rate on Purchases16.12% variable16.12% variable13.79% variable14.57% variable14.54% variable
    Annual Percentage Rate (APR)26.6% APR variable22.1% APR variable19.6% APR variable20.2% APR variable20.2% APR variable
    Introductory Rate on Purchases0% for first 6 months0% for first 6 months0% for first 6 monthsN/A0% for first 6 months
    Introductory Rate on Balance Transfers0% APR fixed for first 7 months0% APR fixed for first 7 months0% APR fixed for first 7 months2.9% APR fixed for first 12 monthsN/A
    Multi Trip Travel InsuranceYesNoYesNoYes
    Up to 56 Days Interest Free PurchasesYesYesYesYesYes
    Salary Requirements€16,000€16,000€40,000€16,000N/A
    Must Pay by Direct DebitNoNoNoNoYes
    Apply Online Find Out More Apply Online Find Out More Apply Online Find Out More Apply Online Find Out More Apply Online Find Out More
    Aer Credit Card
    Image of Aer Credit Card

    Account Fee: Yes

    Added Value Rewards Programmes: Travel Rewards

    Standard Interest Rate on Purchases: 16.12%

    Annual Percentage Rate (APR): 26.6% APR variable

    Introductory Rate on Purchases: 0% for first 6 months

    Introductory Rate on Balance Transfers: 0% APR fixed for first 7 months

    Multi Trip Travel Insurance: Yes

    Up to 56 Days Interest Free Purchases: Yes

    Salary Requirements: 16,000

    Must Pay by Direct Debit: No

    Apply Online Find Out More
    Classic Credit Card
    Image of Classic Credit Card

    Account Fee: No

    Added Value Rewards Programmes: N/A

    Standard Interest Rate on Purchases: 16.12%

    Annual Percentage Rate (APR): 22.1% APR variable

    Introductory Rate on Purchases: 0% for first 6 months

    Introductory Rate on Balance Transfers: 0% APR fixed for first 7 months

    Multi Trip Travel Insurance: No

    Up to 56 Days Interest Free Purchases: Yes

    Salary Requirements: 16,000

    Must Pay by Direct Debit: No

    Apply Online Find Out More
    Platinum Advantage Card
    Image of Platinum Advantage Card

    Account Fee: Yes

    Added Value Rewards Programmes: N/A

    Standard Interest Rate on Purchases: 13.79%

    Annual Percentage Rate (APR): 19.6% APR variable

    Introductory Rate on Purchases: 0% for first 6 months

    Introductory Rate on Balance Transfers: 0% APR fixed for first 7 months

    Multi Trip Travel Insurance: Yes

    Up to 56 Days Interest Free Purchases: Yes

    Salary Requirements: 40,000

    Must Pay by Direct Debit: No

    Apply Online Find Out More
    Affinity Credit Card
    Image of Affinity Credit Card

    Account Fee: No

    Added Value Rewards Programmes: N/A

    Standard Interest Rate on Purchases: 14.57%

    Annual Percentage Rate (APR): 20.2% APR variable

    Introductory Rate on Purchases: N/A

    Introductory Rate on Balance Transfers: 2.9% APR fixed for first 12 months

    Multi Trip Travel Insurance: No

    Up to 56 Days Interest Free Purchases: Yes

    Salary Requirements: 16,000

    Must Pay by Direct Debit: No

    Apply Online Find Out More
    Student Credit Card
    Image of Student Credit Card

    Account Fee: No

    Added Value Rewards Programmes: N/A

    Standard Interest Rate on Purchases: 14.54%

    Annual Percentage Rate (APR): 20.2% APR variable

    Introductory Rate on Purchases: 0% for first 6 months

    Introductory Rate on Balance Transfers: N/A

    Multi Trip Travel Insurance: Yes

    Up to 56 Days Interest Free Purchases: Yes

    Salary Requirements: N/A

    Must Pay by Direct Debit: Yes

    Apply Online Find Out More

    Representative Examples

    Representative example of Aer Credit Card purchase at standard interest rate of 16.12% variable. Typical Annual Percentage Rate (APR) of 26.6% variable including annual Government Stamp Duty of €30 and an Annual charge of €95.88 (this is made up of 12 monthly charges of €7.99). Assuming purchase of €3,000 repaid in equal instalments over a 12 month period. The total amount repayable by customer is €3,387.90 which includes initial purchase of €3,000 and a total cost of credit of €387.90.
    Representative example of Classic Credit Card purchase at standard interest rate of 16.12% variable. Typical Annual Percentage Rate (APR) of 22.1% 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 €1661.01 which includes initial purchase of €1,500 and a total cost of credit of €161.01.
    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.
    Representative Example of Affinity credit card purchase at standard interest rate of 14.57% variable. Typical 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 €1,648.38 which includes initial purchase of €1,500 and a total cost of credit of €148.38.
    Representative example of Student credit card purchase at standard interest rate of 14.54% variable. Typical 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.


  • Rates, Fees & Charges

    Please see table below for Aer Credit Card rates:

    Transaction TypeTypical Variable APRSInterest Rates VariableInterest Rates Fixed
    Purchases26.6%16.12%
    Cash Advances21.36%
    Instalment Plan6.9%6.7%
    Balance Transfers0% for first 7 months
    Introductory Rates on Purchases0% for first 6 months

    Representative example of Aer Credit Card purchase at standard interest rate of 16.12% variable. Typical Annual Percentage Rate (APR) of 26.6% variable including annual Government Stamp Duty of €30 and an Annual charge of €95.88 (this is made up of 12 monthly charges of €7.99). Assuming purchase of €3,000 repaid in equal instalments over a 12 month period. The total amount repayable by customer is €3,387.90 which includes initial purchase of €3,000 and a total cost of credit of €387.90.

    Please see the table below for Aer Credit Card fees & charges:

    Monthly Account Fee€7.99
    Government Stamp Duty€30.00
    Cross Border Handling FeeTransactions in Euro – No charge
    All other transactions – 2.25% of value of transaction
    Cash Advance FeeTransactions in Euro
    1.5% subject to a minimum of €2.54 per transaction.
    Non Euro Transactions
    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.
    Late Payment Fee€7.50
    Overlimit Fee€7.50
    Unpaid Cheques/Direct Debits/Standing Orders€5.00
    Copy Statement FeeFor the 1st page of each individual statement: €3.80
    For each subsequent page of statement: €2.50
    A processing fee of 1%, minimum €1.27 and maximum €6.35 will be charged where payment to a credit card is made by foreign cheque.

    Effective as at 21st January 2019.

    Rates, Fees and Charges effective as at 21st January 2019. Introductory offers apply to new customers only. Balance transfers may not be made from existing Bank of Ireland credit cards or from credit cards outside the Republic of Ireland or United Kingdom. The balance transfer rate is available for a maximum period of seven months from the date of account opening. Customers who do not provide details of a balance to be transferred will automatically receive 0% APR on purchases for a period of six months from the date of account opening. After six months from the date of account opening 0% APR on purchases reverts to the standard variable rate applicable to your card and the standard variable rate will apply to the balance outstanding at that time. After 7 months the fixed rate of 0% APR fixed on balance transfers reverts to the standard variable rate applicable to your card. Rates currently applicable to Bank of Ireland personal credit cards are outlined in the table above. Rates quoted are effective as at 21st January 2019 and are subject to change. Lending criteria and terms and conditions apply.



  • Terms & Conditions


 

Apply Now


 

(1) A minimum of two seats per flight will be available, except for Restricted Periods. Seat availability on the Aer Lingus website or through a booking agent does not guarantee a free return fare.
(2) Avios are issued and redeemed in accordance with Avios Terms and Conditions. Please see www.avios.com for more details.
(3) Acceptance criteria, terms and conditions apply. Bank of Ireland Travel Insurance is underwritten by AIG Europe Limited. Please see tab above for full Travel Insurance Terms and Conditions.
(4) 0% interest available for new credit card customers for the first 6 months for purchases or 7 months for balance transfers from the date of account opening. At the end of the introductory period the annual interest rates will revert to the standard interest rate applicable to your card at that time.
(5) 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.
*Cost of purchasing Fast Passes (€5.95 per pass x 2), Lounge Access (€30 per access x 2 ) and Travel Insurance (€157.79 per policy) equates to €229.69 (€19pm). Free Fares and Avios are not included in price comparison. Fast Pass Source: Find Out More Lounge Pass Source: Find Out More Worldwide Multi Trip Travel Insurance: €157.79 per policy p.a. Bank of Ireland Annual Multi Trip Silver worldwide travel insurance online quote based on family for two adults aged between 18-49 with no children. This information was obtained in February 2019. Bank of Ireland takes no responsibility for the accuracy of information from third party websites.

Aer Credit Card is brought to you in partnership with Aer Lingus. Over 18s only. Lending criteria, terms and conditions apply. Subject to a monthly fee of €7.99. Bank of Ireland is regulated by the Central Bank of Ireland.