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Which card is right for you?

Find the credit card that best suits your needs

We offer a range of credit cards designed to suit different needs – whether you’re just starting out or looking for added benefits.

All our personal credit cards come with a number of features and benefits, including:

  • No annual bank fee. We apply an annual Government Stamp Duty of €30 per credit card account.
  • Up to 56 days interest‑free credit. If you pay your balance in full and on time each month, you can avoid paying interest on purchases.
  • Online and mobile card management, allowing you to view and manage your card through internet banking or the mobile app.

Compare our credit cards

BenefitAIB ‘Click’ Credit CardAIB ‘Platinum’ Credit CardAIB ‘Be’ Credit CardAIB ‘Student’ Credit Card
Representative Annual Percentage Rate (RAPR) (variable)13.8%17.0%22.9%20.5%
Annual Purchase Interest Rate (variable)9.11%11.84%14.16%14.85%
Salary Requirement€16,000€40,000€16,000N/A
Up to 56 days of Interest free credit?✓✓✓✓
No Annual Bank Fee✓✓✓✓
Mobile and online-friendly management✓✓✓✓
Emergency Cash Service✓✓✓✓
Mobile and contactless Payments✓✓✓✓
Everyday spending with low interest✓   
Ideal for large purchases & higher limits, cash backs awards ✓  
Introductory rates on purchases ✓✓✓
Introductory rates on balance transfers ✓✓ 
Lower interest rewards with high spending  ✓ 
Ideal for 3rd level students   ✓

Not sure which card is right for you?

We can help you choose the credit card that best fits your needs. When deciding between cards, it’s worth considering the following:

  • How will you use your card? - Will you pay off purchases in full each month, or spread the cost over time?
  • Are you looking to reduce existing card debt? - You might value a card that offers balance transfers or introductory rates.
  • Is a low interest rate your priority? - If so, the AIB Click Visa Card may suit you.
  • Are added benefits important to you? - The Platinum Visa Card offers higher credit limits along with cashback rewards and travel‑related benefits.

Our Click Visa Card and Platinum Visa Card are the two core options for most customers. You can apply for both cards through online banking or the mobile app.

  • Click Visa Card – a great‑value option if you’re looking for our lowest interest Annual Percentage Rate (APR).
  • Platinum Visa Card – offers introductory rates on purchases and balance transfers for the first 12 months from account opening. Cardholders can also enjoy rewards, including Cash Back Awards.

Regulatory information

Lending criteria, terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Government stamp duty of €30 is charged annually per credit card account. For more information, please see our Government Charges page.


Caution! There is a financial cost to borrowing money.  

 

Warning
If you do not meet the repayments on your credit card, your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire–purchase agreement, a consumer–hire agreement or a BNPL–agreement in the future.


BNPL: Buy Now Pay Later

Looking for more information?

Personal credit cards

Explore our credit cards and learn how to apply

Support and guidance

Manage your AIB credit card. Get help with queries and explore guides to make the most of your card