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.
The credit cards with the lowest typical APR (Annual Percentage Rate) are shown first
What Bank of Ireland credit cards can you get?
Here’s a summary of the headline features of each Bank of Ireland credit card offer.
Aer Credit Card
Linked to Aer Lingus and designed for the seasoned explorer, the Aer credit card is ideal if you love to travel abroad.
You can enjoy a bunch of travel perks worth €267 for just €7.99 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 charges you must pay
- 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
If you want to support your college then the Bank of Ireland range of affinity credit cards could be for you. These cards are affiliated with selected colleges across Ireland, including:
- Trinity College Dublin
- University College Dublin
- University College Cork
- University of Limerick
- NUI Galway
- NUI Maynooth
You can nominate the college you want to support, and Bank of Ireland will make a donation when you sign up, and each subsequent year (while the card’s active) to your University’s alumni fund.
You’ll also get a smart looking card branded with your chosen college.
There’s no annual fee in addition to the annual Government Stamp Duty levy and you’ll get all the benefits you’d expect, for example:
- mobile and contactless payments
- no transaction fees in the EU
- emergency cash service
Classic Credit Card
The classic card is suitable for everyday spending with no transaction fees or annual fee (except for the annual Government Stamp Duty of €30).
Better still, you’ll get 0% on purchases for six months or 0% on balance transfers for seven months when you sign up.
This card comes with an instalment plan option that lets you spread the cost of larger purchases of €250+ over 6, 12 or 24 set monthly payments, at a much lower interest rate. It’s easy to apply online for this option or call to set it up.
Platinum Advantage Credit Card
This is Bank of Ireland’s lowest interest rate card and is only available for existing customers. It’s a premium credit card that’s subject to a higher salary requirement.
You’ll be rewarded with 0% on purchases for six months or 0% on balance transfers for seven months with this card, and can also benefit from the instalment plan option.
For a small annual fee, here are some of the extras you can take advantage of:
- Add up to three cardholders for free
- Free multi trip travel insurance
- Access to exclusive offers and experiences with Mastercard Priceless Cities
- Emergency cash if you lose your card abroad
Student Credit Card
This lets you borrow funds while you’re studying, capped at €500 in your first two years and €1,000 in year three and beyond.
You won’t pay any interest on purchases for the first six months and there’s no account fee.
Here are some more top features of the Bank of Ireland student card:
- Free worldwide multi trip travel insurance
- Make contactless and mobile payments
- Stay in control with a minimum monthly direct debit
- Pick offers and experiences from Mastercard Priceless Cities
Work out what features you need and choose a card that offers them at the lowest interest rate.
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.
They also have a commitment to good customer service and encourage you to give feedback via their customer careline, to enable them to resolve any issues promptly.
To make sure you choose the right credit card, compare Bank of Ireland cards against cards from other providers, using our credit card comparison.
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.
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.
You can request an increase to your credit card balance every six months.
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 this request form and confirm the amount to pay off and the term you want.
You’ll need to ensure it’s set up before your next payment is due. This option isn’t available on the Student credit card.
Compare the best credit cards in Ireland
Find the top 0% purchase & balance transfer deals with our credit card comparison.