Bank of Ireland

Bank of Ireland credit cards

The Bank of Ireland offers a range of credit cards to suit all types of borrowers, including travel enthusiasts, students, new and existing customers.

0 percent interest

Longest 0% purchase offer

avios

Avios rewards

student travel insurance

Free student travel insurance

8 results.
Ordered by lowest typical APR (Annual Percentage Rate)
Bank of Ireland Platinum Advantage - Balance Transfers
Platinum Advantage - Balance Transfers
0% for 7 months
Balance Transfers
-
Purchases
19.6%
Typical APR
Annual fee of €76.18 applies
Free travel insurance
Instalment plan i
Spread your bigger credit card purchases of €250 or more at a great low rate of 6.7% variable (6.9% Annual Percentage Rate).
Bank of Ireland Platinum Advantage - Purchases
Platinum Advantage - Purchases
-
Balance Transfers
0% for 6 months
Purchases
19.6%
Typical APR
Annual fee of €76.18 applies
Free travel insurance
Instalment plan i
Spread your bigger credit card purchases of €250 or more at a great low rate of 6.7% variable (6.9% Annual Percentage Rate).
Bank of Ireland Student
Student
-
Balance Transfers
0% for 6 months
Purchases
20.2%
Typical APR
Free travel insurance
Bank of Ireland Affinity
Affinity
2.9% for 12 months
Balance Transfers
-
Purchases
20.2%
Typical APR
Instalment plan i
Spread your bigger credit card purchases of €250 or more at a great low rate of 6.7% variable (6.9% Annual Percentage Rate).
Bank of Ireland Classic - Balance Transfers
Classic - Balance Transfers
0% for 7 months
Balance Transfers
-
Purchases
22.1%
Typical APR
Instalment plan i
Spread your bigger credit card purchases of €250 or more at a great low rate of 6.7% variable (6.9% Annual Percentage Rate).
Bank of Ireland Classic - Purchases
Classic - Purchases
-
Balance Transfers
0% for 6 months
Purchases
22.1%
Typical APR
Instalment plan i
Spread your bigger credit card purchases of €250 or more at a great low rate of 6.7% variable (6.9% Annual Percentage Rate).
Bank of Ireland Aer Credit Card - Purchases
Aer Credit Card - Purchases
-
Balance Transfers
0% for 6 months
Purchases
22.7%
Typical APR
Instalment plan i
Spread your bigger credit card purchases of €250 or more at a great low rate of 6.7% variable (6.9% Annual Percentage Rate).
Travel Rewards for €6.50 per month
Bank of Ireland Aer Credit Card - Balance Transfers
Aer Credit Card - Balance Transfers
0% for 7 months
Balance Transfers
-
Purchases
22.7%
Typical APR
Instalment plan i
Spread your bigger credit card purchases of €250 or more at a great low rate of 6.7% variable (6.9% Annual Percentage Rate).
Travel Rewards for €6.50 per month
Typical Annual Percentage Rate (APR) is based on purchases of €1,500 and a credit limit of €1,500 plus annual Government Stamp Duty of €30.

Why choose a Bank of Ireland credit card?

Bank of Ireland offers a good selection of cards with a range of different benefits at competitive rates. It’s easy to apply online, and you’ll get a decision within 24 hours.

Here’s a summary of your standard benefits:

  • An introductory discount rate on balance transfers or purchases
  • Up to 56 days Interest-free purchases (if you pay your balance on time and in full)
  • View your balance and PIN, freeze/unfreeze your card and more with Banking 365 online
  • Mobile payments with Google and Apple pay
  • Add up to 3 additional cardholders and pay government stamp duty only
  • Emergency Cash Service should you lose your card while abroad
  • Pick offers and experiences from Mastercard Priceless Cities

To ensure you choose the right credit card, use our credit card comparison to compare Bank of Ireland cards against cards from other providers.

Compare cards now

What Bank of Ireland credit cards are on offer?

Choose a Bank of Ireland credit card and enjoy various features and benefits. Apply online and get approved in 24 hours.

Aer Credit Card

The Aer credit card is ideal for frequent flyers. It’s linked to Aer Lingus and designed for seasoned travellers.

In addition to Bank of Ireland’s standard benefits, you can enjoy a selection of travel perks worth over €461 for just €6.50 a month, including:

  • Two lounge passes
  • Two fast track and priority boarding passes
  • Worldwide family multi-trip travel insurance
  • Two return flights to Europe, minus any taxes and fees
  • Collect Avios as you spend to use towards your next flights

Terms and conditions apply to these benefits. Check the Bank of Ireland website for details.

Affinity Credit Card

Choose an Affinity credit card, and Bank of Ireland will make a donation to a college of your choice. These cards are affiliated with selected colleges across Ireland, including Trinity College Dublin, University College Dublin, University College Cork, University of Limerick, plus more.

Simply nominate the college you want to support, and Bank of Ireland will make a donation when you sign up. Each subsequent year your card is active, they’ll donate to your University’s alumni fund. You’ll also get a college-branded credit card.

There’s no annual fee* and you’ll get all the standard benefits.

Classic Credit Card

The classic card is suitable for everyday spending and has no account fees* or transaction charges.

When you sign up, you can choose to get 0% on purchases for six months or 0% on balance transfers for seven months.

This card also comes with a low-cost instalment plan option that lets you spread the cost of larger purchases of €250+ over 6, 12, or 24 set monthly payments at a reduced interest rate.

Platinum Advantage Credit Card

This premium card is Bank of Ireland’s lowest interest rate card.

With this card, you’ll get 0% on purchases for six months or 0% on balance transfers for seven months. You can also benefit from the low cost instalment plan option for larger purchases.

For a small annual fee, you’ll get free multi-trip travel insurance, the lowest interest rate card, and a minimum credit limit of €2,500.

This card is subject to a higher salary requirement.

Student Credit Card

This card lets you borrow funds while studying, capped at €600 in your first two years and €1,000 in year three and beyond.

You won’t pay interest on purchases for the first six months, and there’s no account fee.*

Enjoy free worldwide multi-trip travel insurance and a minimum credit limit of €600

* All account holders must pay the annual Government Stamp Duty of €30.

More about Bank of Ireland

The Bank of Ireland has a longstanding history dating back to 1783 and is regulated by the Central Bank of Ireland.

As well as credit cards, they also offer a full range of other products including mortgages, loans, current accounts, savings and investment accounts, pensions, and insurance and protection.

Bank of Ireland credit card FAQs

How do I apply for a Bank of Ireland credit card?

Select the card you want and apply online by completing a credit card application form.

Alternatively, you can call the lending team on 0818 200 334 or visit your local branch.

How do I check my credit card balance on my Bank of Ireland card?

It’s available to review on your 365 online profile or via the Bank of Ireland app.

You can also print and save e-statements as a PDF whenever you like.

How do I increase my Bank of Ireland credit card limit?

There’s a simple credit card increase form to complete online that takes just a few minutes.

You should find out whether you’ve been approved or declined within one working day of applying.

If you’re having difficulty getting more credit, you can check your credit record for free.

How do I set up a credit card instalment plan?

If you make a purchase of €250 or more, you can apply to pay it off in instalments at a reduced interest rate.

Complete the Instalment Plan Calculator and Request Form and confirm the amount to pay off and the term you want or call 0818 251 251. You’ll need to ensure it’s set up before your next payment is due.

You can also set up an instalment plan at the point of sale in certain retailers where available.

This option isn’t available on the Student credit card.

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Typical Annual Percentage Rate (APR) is based on purchases of €1,500 and a credit limit of €1,500 plus annual Government Stamp Duty of €30. Data valid as of 07/06/2024