AIB Personal Credit Cards
Enjoy up to 56 days interest free, flexible repayments, and worldwide acceptance. No annual bank fee, government stamp duty applies.
AIB offers a range of personal credit cards, notably the Classic Visa, ‘be’ Visa, Platinum Visa, and the Student Visa Card. Customers benefit from a set credit limit based on their capacity to repay, with the minimum payment set at 3% of the balance or €6.35, whichever is higher. Most AIB credit cards impose no annual bank fee, though all are subject to the €30 government stamp duty.
Flexible spending is matched by useful features, including up to 56 days interest-free if you clear your balance in full and on time. Some cards, like the Platinum Visa, even provide cashback awards and special introductory interest rates on purchases for the first 12 months. Applicants should undergo standard eligibility checks and provide supporting documents.
How to Apply for an AIB Credit Card
- Download or access AIB’s mobile or online banking.
- Select the type of credit card you wish to apply for.
- Submit proof of income, such as payslips or bank statements.
- Provide identification and proof of PPSN.
- Wait for approval and your personalised credit limit.
Key Pros of AIB Credit Cards
One of the biggest advantages is up to 56 days of interest-free credit, as long as you pay off your monthly balance in full. All cards work with mobile payments like Google Pay and Apple Pay, enhancing convenience for everyday purchases.
Additionally, AIB does not charge an annual bank fee on these credit cards, although standard government fees do apply. Emergency cash services and secure internet shopping features add further peace of mind.
Key Cons of AIB Credit Cards
Not all cards include introductory interest rates or cashback rewards—for example, the Classic Visa lacks both. Applicants must closely review requirements, as annual salary thresholds apply to some cards, particularly the Platinum and ‘be’ cards.
Another potential drawback is the obligatory government stamp duty of €30 per year, regardless of your balance or spending habits. This is unavoidable for all Irish credit cards.
Final Verdict
AIB credit cards combine flexibility, ease of payment, and safety features, making them a strong contender for anyone seeking a personal credit card in Ireland. If you’re comfortable providing proof of income and keeping to the payment deadlines, an AIB card is well worth considering.
