AIB Credit Card Review: No Annual Fee, 56 Days Interest-Free & Secure Payments

If you’re considering a new credit card, AIB offers several options, including the Click, ‘be’, Platinum, and Student Visa cards. All come with no annual bank fee and up to 56 days interest-free once balances are cleared in full each month. Card limits and salary requirements vary by product, starting from €16,000 annual income for most cards, with higher limits and added perks available for the Platinum offering.

Interest rates depend on the card selected, with some cards offering special introductory purchase and balance transfer rates for up to 12 months. Each card includes secure payment technology, mobile compatibility and support for internet shopping protection. Terms and lending criteria apply.

How to Apply for an AIB Credit Card

• Gather your recent bank statements and proof of income or pension
• Have your PPSN document ready
• If applicable, supply recent credit card statements from other providers
• Fill out the application online or through AIB’s app
• Submit and await approval

Pros of AIB Credit Cards

First, there’s no annual bank fee (though €30 government stamp duty does apply). All cards offer interest-free periods, contactless and mobile payments, and online account management as standard. The application process is straightforward, especially for existing AIB customers who use mobile or online banking.

Features like emergency cash support and Visa Secure for online shopping add peace of mind for the cardholder.

Cons of AIB Credit Cards

Interest rates after the introductory period can be on the high side, and some perks (like cashback or balance transfer rates) are limited to specific cards only. The minimum income requirements may exclude certain applicants, especially for premium products. Late or missed payments can impact your credit score.

Eindconclusie

AIB credit cards offer solid everyday value, especially for users who plan to pay off their balance in full each month and want the convenience of mobile and contactless payments. However, they are best for those meeting the salary requirements and comfortable with the standard terms and government charges.