Compare student credit cards
Compare student credit cards in Ireland, including eligibility rules, typical limits and introductory offers for college students.
Student credit cards in Ireland, at a glance
How do student credit cards work?
Student credit cards work in a similar way to standard credit cards, but they are designed specifically for students studying in Ireland.
You can use a student credit card to pay for goods and services on credit, up to a set credit limit.
You can repay what you owe in monthly instalments.
If you pay your balance in full each month, you won’t be charged interest. If you don’t, interest may apply to the remaining balance.
Why get a student credit card?
A student credit card can be a useful way to manage occasional or unplanned costs while you’re studying, as long as you borrow responsibly.
Student credit cards are designed specifically for third-level students and differ from standard credit cards in a few key ways:
Typical student credit card limits in Ireland
Student credit cards usually come with lower credit limits than standard credit cards, particularly for first-time borrowers.
Credit limits and approval decisions vary by bank and by individual applicant.
Are student credit cards free?
No. In Ireland, a Government Stamp Duty applies to all credit card accounts. The current rate is €30 per year per credit card account.
Your card provider usually collects this charge automatically each year, typically on 1 April, and it applies even if you don’t use the card.
This charge applies to student credit cards as well as standard credit cards.
Discover more about how credit cards work and how to borrow wisely in our Complete Guide to Credit Cards.
What is the difference between a student credit card and student debit card?
Although both cards can be used for everyday spending, they work in very different ways and suit different financial needs while you’re studying.
| Student debit card | Student credit card |
|---|---|
| Uses money from your current account | Borrows money from the card provider |
| You can only spend what you have | You spend up to an agreed credit limit |
| No interest charges | Interest applies if balance isn’t paid in full |
| Does not build a credit history | Can help build a credit history |
| No risk of debt | Can lead to debt if not managed carefully |
Should you get a student credit card?
A student credit card can be useful if you’re confident you can manage repayments responsibly, but it’s not suitable for everyone.
If you don’t use it sensibly or make your repayments on time, you could end up with debt and financial difficulty.
Here’s some pros and cons to consider:
Pros
Cons
Who offers student credit cards in Ireland?
Not all banks offer student credit cards, and availability can change over time. Currently, those offering student credit cards include:
What is the cheapest student credit card?
There isn’t one single cheapest student credit card in Ireland, as the overall cost depends on how you use the card.
For most students, the cheapest option is a card that:
- allows you to clear the balance in full each month and avoid interest
- has no additional fees beyond the annual Government Stamp Duty
- offers a low starting credit limit to help manage spending
If you regularly carry a balance, interest charges can make borrowing more expensive over time, regardless of the card.
Comparing student credit cards in Ireland
Student credit cards in Ireland tend to be fairly similar, but small differences can have a big impact on how much you pay and how easy the card is to manage while studying.
When comparing student credit cards, it’s worth considering:
For example, some student credit cards may appeal to students who plan to pay off their balance quickly and want short-term introductory offers, while others may suit students who value additional features or benefits.
You can compare the available student credit cards above to see how they differ and which option best matches your needs.
Looking at the right features can help you choose a card that fits your spending habits and repayment plans.
Which student credit card might suit you best?
There are currently a small number of student credit cards available in Ireland.
While they are broadly similar, they can suit different needs depending on how you plan to use the card.
Short-term borrowing
6 month 0% interest period
This type of student credit card can suit students who plan to borrow for a short period and clear their balance within the introductory offer.
- you need a credit card for a short time only
- you plan to pay off what you borrow within a few months
- you want to avoid interest on purchases during an introductory period
Ongoing borrowing
Lower interest, longer period
This type of student credit card may suit students who expect to carry a balance for longer and want more predictable borrowing costs over time.
- you expect to carry a balance for longer
- you want more predictable borrowing costs once any introductory offer ends
- you prefer a steady interest rate rather than a short-term promotion
How to apply for a student credit card
To apply for a student credit card, you need to prove you are a current full-time student at a third level institution, such as a university, college or an institute of technology.
Each bank sets its own eligibility criteria, so meeting these requirements does not guarantee approval.
You also need to:
- be over 18
- have an active student current account
- have a bank account for a minimum amount of time
- provide certified proof of identity, e.g. a valid passport, drivers licence or EU ID Card
- provide certified proof of current address, e.g. utility bill, a letter from a financial institution
- provide your PPSN or TRN
You will be required to have a student current account with the bank that issues your credit card.
Three ways to use your student credit card
- Avoid overspending Only use your card for planned and budgeted items that you know you can afford.
- Read the details: Read any T’s&C’s carefully for things like fees and interest charges or your statement for the payment due date.
- Pay on time: Pay your full balance on time each month, or at least the minimum amount required to avoid being charged interest or penalties.
Learn about the best credit card for your needs in our Complete Guide to Credit Cards.
Student credit card FAQs
Can a student get a credit card in Ireland?
Yes, students in Ireland can apply for a student credit card, provided they meet the bank’s eligibility criteria. You usually need to be over 18, studying full-time at a third-level institution, and have a student current account with the card provider.
Some banks may also require proof of income or financial support, such as part-time employment or a student grant.
Do student credit cards require income?
Student credit cards do not always require a full-time income, but most Irish banks will assess your ability to repay what you borrow. This may include part-time earnings, a student grant, or financial support from a parent or guardian.
Eligibility requirements vary by provider, so it’s important to check the terms before applying.
Will a student credit card affect my credit score?
Yes. Using a student credit card can affect your credit score in Ireland. Making repayments on time can help build a positive credit history, while missed or late payments can negatively impact your credit record.
Your credit history may be considered when applying for future financial products such as loans, overdrafts, or a mortgage.
What does APR (Annual Percentage Rate) mean?
APR is used to help you understand the cost of borrowing. It’s the official rate used for comparing credit cards and unsecured loans, and is shown as a percentage of the amount you’ve borrowed.
The lower the APR, the cheaper the cost of borrowing should be.
It takes into account the interest rate and additional charges of a credit offer, but not penalties, like late payment fees.
What is a credit limit?
Your credit limit is the maximum amount you can spend on your credit card. In effect, the amount the card issuer is prepared to lend you on the card. In the first year, it is normally around €500.
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