Love to Travel?

For a limited time only, apply for Aer Credit Card using the promotional code BAWPromo and enjoy no monthly fees for the first 12 months!

 
Apply Now View our Promotional T&Cs


Aer card

This promotion is open for a limited period to all employees of Bank of Ireland Bank at Work partners. Terms and conditions apply.

Love to Travel? Credit Cards don’t get any smarter than this.

For a limited time only, we are waiving the monthly fee of €7.99 on Aer Credit Card for the first 12 months. Avail of these amazing travel rewards worth over €228* today. This increases in value when Flights and Avios are included. The value of these rewards depends on when and where you travel and how often you use your Aer Credit Card.

 

All the Travel Rewards you’ll enjoy

Aer Credit Card Travel Rewards

Features & Benefits

2 Return Flights: 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 Aer Lingus operated 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 (except for excluded 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)

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.

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.

 

Apply online or call 0818 200 412 (Mon. to Fri. 8am-8pm). Don’t forget to use/quote the promotional code BAWPromo to enjoy no monthly fees for the first 12 months!


(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 S.A.
(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. 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.
*Cost of purchasing Fast Passes (€5.95 per pass x 2), Lounge Access (€30 per access x 2 ) and Travel Insurance (€155.94 per policy) equates to €227.84 (€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: €155.94 is based on a family (2 adults aged 18-49 and up to 6 children aged 17 years or under) taking out a Silver level cover Bank of Ireland Annual Multi Trip policy. This information was obtained in August 2019. Bank of Ireland takes no responsibility for the accuracy of information from third party websites.
Aer Credit Card is brought to you by Bank of Ireland in partnership with Aer Lingus. Over 18s only. Lending criteria, terms and conditions apply. Bank of Ireland is regulated by the Central Bank of Ireland.

  • 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


  • Promotion Terms & Conditions

    Promotion Rules – Bank at Work Aer Credit Card No Charges for a Year Promotion (“the Promotion”)

    Note: These rules (the “Rules”) apply to the Promotion organised by Bank of Ireland (the “Bank”). You agree to these Rules if you apply for the Promotion.

    1. The Promotion is open to all employees of a Bank of Ireland Bank at Work employer who are eligible for a Bank of Ireland Aer Credit Card and successfully apply for one following these Rules within the Promotion Period.
    2. The Promotion Period is from the 9th of October to the 3rd of January (inclusive). The Bank reserves the right to extend the Promotion Period in its discretion.
    3. The Bank will make a promotion code available to you during the Promotion Period (the “Promotion Code”). If you wish to apply for the Promotion you will be required to enter the Promotion Code correctly in the relevant field on the Aer Credit Card online application or quote the Promotion Code to the agent you are dealing with (if you are applying by phone).
    4. Applicants who successfully apply for the Promotion and their Bank of Ireland Aer Credit Card within the Promotion Period will not be charged the monthly fee of €7.99 for a period of 12 months from the date their Aer Credit Card account is opened (the “Promotion Term”).
    5. After the Promotion Term has ended, the Bank will start charging you the monthly fee in accordance with the Aer Credit Card terms and conditions.
    6. The Annual Percentage Rate of Charge and the Cost of Credit information included in the Aer Credit Card terms and conditions, in the Standard European Credit Card Information for the Aer Credit Card, and included in any advertising for the Aer Credit Card is calculated on the assumption that the monthly fee applies.
    7. When the Promotion Period has ended, the Promotion Code will no longer be accepted on Aer Credit Card applications. Any applicant who completes a credit card application after the Promotion Period has ended will not be eligible for the Promotion.
    8. All applications for the Promotion must be submitted following the instructions of the Bank. The Bank accepts no responsibility for applications which are not fully completed. Applications which are incomplete (i.e. some information requested on the application form is not provided), altered, illegible or not in accordance with these Rules may be disqualified.
    9. The Bank may suspend or terminate your right to the Promotion if you breach these Rules or the Aer Credit Card Terms and Conditions.
    10. If your Aer Credit Card Account is cancelled or terminated you will not be able to get the Aer Credit Card Travel Rewards and will no longer be able to avail of the Promotion.
    11. The Bank accepts no responsibility if a potential applicant is unable to apply for the Promotion due to any technical reasons whatsoever.
    12. Successful applicants will be notified by the Bank by email three weeks after the Aer Credit Card account is opened.
    13. All entry conditions and instructions are deemed to form part of these Rules.
    14. The Bank reserves the right to suspend, cancel or amend the Promotion and/or review and revise these terms and conditions at any time in accordance with law and by continuing to take part in the Promotion subsequent to any revision of the terms and conditions, entrants shall be deemed to have agreed to any such new or amended terms.
    15. This Promotion is governed by Irish Law and is subject to the exclusive jurisdiction of the Irish courts.