AIB credit cards

Why choose an AIB credit card?

AIB is Ireland’s most popular bank, it offers market-leading interest rates and a choice of benefits like introductory discounts and rewards for their customers. Here’s a few other reasons to choose a credit card from AIB:

• Special introductory interest rates: Some AIB credit cards come with discounted purchase or balance transfer rates for an introductory period.
• Up to 56 days interest-free credit: You won’t pay interest on purchases if you clear your balance in full and on time each month.
• Emergency cash service: If your card is lost or stolen, AIB can cancel it and help arrange emergency assistance, including access to cash abroad in certain cases.
• No annual fees: AIB does not charge an annual card fee on its credit cards.*

If you’d like to see how AIB cards stack up against other options on the market, you can compare credit cards available in Ireland below.

Compare credit cards

What credit cards do AIB offer?

AIB offers a small range of credit cards in Ireland, from straightforward low-cost options to cards with added benefits and rewards.

AIB credit cards focus on straightforward features and ease of use, rather than high rewards or niche benefits, which may suit some cardholders more than others.

Their range of credit cards includes:

• AIB CLICK Visa: A simple, low-cost credit card with no annual fee, designed to help you stay in control of your spending. A good option if you mainly use your card for everyday purchases.
• ‘be’ Visa: This card comes with a special introductory rate on purchases and balance transfers, which can be useful if you’re planning larger expenses or spreading costs.
• Platinum Visa:A premium AIB card that includes extra benefits such as cashback and insurance features. It could suit higher earners who want more from their credit card.
• AIB Student Visa: Designed with student life in mind, offering an introductory rate on purchases for the first 12 months.

Who can apply for an AIB credit card?

To apply for an AIB credit card, you’ll generally need to be over 18 and resident in Ireland.

• Approval depends on factors such as your income, credit history and existing financial commitments.
• Some cards, like AIB Platinum, have a minimum income requirement, while others are designed to be more accessible.

Even if you already bank with AIB, approval isn’t guaranteed.

AIB Click vs AIB Platinum: which one is right for you?

While both cards are offered by AIB, the Click and Platinum cards are designed for slightly different types of cardholders.

Here’s a quick look at how they compare, to help you decide which might suit you better.

Feature	AIB Click Visa	AIB Platinum Visa
Best for	Everyday spending and keeping costs low	Extra benefits, higher limits and added perks
Annual card fee	No annual fee*	No annual fee*
Purchase APR (Annual Percentage Rate)	Lower standard rate	Higher standard rate
Introductory offers	May include an introductory rate on purchases	May include introductory rates on purchases or balance transfers
Cashback & rewards	No cashback or rewards	Cashback on card spending
Typical credit limit	Generally lower limits	Higher limits available (subject to approval)
Eligibility	Open to a wide range of applicants	Minimum income requirement applies
Card type	Visa	Visa

* With all credit cards, you must pay €30.00 government stamp duty every year per credit card account.

More from AIB

Allied Irish Bank, (AIB) is one of Ireland’s largest banks, with branches across the country and a full range of personal and business banking services.

Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland.

AIB credit card FAQs