AIB 'be' Visa

Lower Annual Purchase Interest Rate of 14.16% (variable) when you spend over €5,000 in a 12-month period
Lower Annual Interest Rate explained: 
With the 'be' Visa we reward you with a lower annual interest rate based on how much you spend in a 12 month period.

When you spend €5,000 or more on purchases in a 12 month assessment period, the lower annual interest rate of 14.16% (variable), applies.*

The higher annual interest rate of 16.79% (variable) applies to cardholders with purchases not exceeding €5,000 in a 12 month assessment period.

*Incur any two instances of Late Payment, Returned Payment and Over Limit Fee within a 12-month assessment period and interest will be charged at the higher annual interest rate from the next statement date, regardless of spend. The account spend and penalty fee counters will be reset and a new 12-month assessment period will commence from the next statement date.

Special introductory annual interest rate of 3.83% (variable) on purchases and balance transfers for the first 12 months from account opening. (Fees, Charges and Important Information) 
As a new ‘be’ credit card customer, you will also benefit from an introductory annual interest rate on purchases and balance transfers of 3.83% (variable) for 12 months from the date your credit card account is opened. At the end of those 12 months the annual interest rates revert back to the standard rate applicable at that time. The balance transfer offer applies to balances transferred from store cards or non-AIB cards. The total sum of balance transfers must not exceed €5,000.

Representative Annual Percentage Rate (APR) 22.9%(variable)
Representative Example: Assuming a credit limit on your card of €1,500, you used your full limit to make a single card purchase immediately after receiving your card, and you repaid in equal monthly payments over 12 months at an interest rate of 16.79% variable, (Representative 22.9% APR variable), the total amount you will pay back is €1636.50 which includes Government stamp duty charge of €30.00. Interest charged would be €136.50.

The Representative APR helps you to quickly compare different products offered by your lender and other lenders, using an assumed credit card usage and credit limit for illustrative purposes.

No annual bank fee
(Government stamp duty of €30.00 is charged annually per credit card account). Other fees and Charges may apply (Fees, Charges and Important Information)

Up to 56 days interest free credit
If you clear your balance in full and on time each month, you can avoid paying interest.

Contacless Payment
The card is enabled for Contactless payments. When the transaction is less than €50, you can choose to touch and pay where you see the contactless symbol  More information on contactless payments.

Mobile Payments You can pay for your purchases quickly and securely using Google Pay™ and Apple Pay. Simply touch and pay for items that cost €50 or less with Google Pay/Apple Pay. For items over €50 you can pay using Google Pay/Apple Pay depending on the retailer. Just look for the below symbols:

Minimum Qualifying Salary: €16,000

Credit Limit to suit you
You can request an increase to your credit limit through AIB Internet Banking or AIB Mobile Banking (subject to lending criteria). Alternatively, you can contact Card Services on (01) 668 5500 (or +353 1 668 5500 from abroad), Monday to Sunday, 9:00–17:00. Please note that credit limit increases cannot be processed over the phone without written instruction, which may result in longer processing times.

Spread your repayments
With an AIB 'be' Credit Card, you can choose how much to repay each month, from the minimum amount (3 % or €6.35, whichever is greater) to the full outstanding balance.

Customer Service

If you have any queries, contact us on (01) 668 5500 (or +353 1 6685500 from abroad) Monday - Sunday: 9:00 - 17:00. If your card is Lost or Stolen, please contact us 24 hours a day, 7 days a week on: 1800 24 22 27 within Ireland (or +353 1 269 5022 from abroad). We’re here to help.

Instant cash

You can use your AIB 'be' Credit Card along with your PIN (Personal Identification Number) to withdraw cash at any ATM (Automatic Teller Machine) or Bank that displays the Visa logo at home and abroad. Annual cash interest rate and fees and charges apply, please view the Important Information for fees and charges.

Emergency Cash Service

In emergency situations, if your credit card is lost or stolen when abroad, we can, on approval, provide you with emergency Cash up to US$5,000.00 (subject to available credit, Cash Advance and Currency Conversion fees and charges may apply). The emergency cash is normally available within 48 hours in most countries. In order to claim emergency cash you will be required to present your passport as proof of identity, as advised by our customer service staff. If you have any queries, contact us on (01) 668 5500 (or +353 1 6685500 from abroad) Monday - Sunday: 9:00 - 17:00. If your card is Lost or Stolen, please contact us 24 hours a day, 7 days a week on: 1800 24 22 27 within Ireland (or +353 1 269 5022 from abroad). We’re here to help.

Secure Online Shopping

We may need to confirm it’s you before an online Transaction can be authorised or your Card details can be stored online for future use. The easiest way to do this is using the AIB Mobile App. Find out more about secure online shopping