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AIB click visa card

AIB Click Credit Card

The Click Visa is ideal if you want great value, with the lowest Annual Percentage Rate (APR) available in Ireland (Competition and Consumer Protection Commission Credit Card Comparisons, correct as of 06 October 2026).

  • Representative Annual Percentage Rate (RAPR): 13.8% (variable)*

  • Annual Purchase Interest Rate: 9.11% variable
 Ireland’s lowest APR
 
 Everyday spending
Learn more about the AIB Click Card

*Representative Example: Assuming the full €1,500 credit limit is used for purchases and repaid over 12 equal monthly instalments at 9.11% variable purchase interest (13.8% APR variable), the total amount repayable is €1,574.02, including €30 Government Stamp Duty. Interest charged: €74.02.

AIB ‘Platinum’ Credit Card

The Platinum Visa Card offers introductory rates on purchases and balance transfers for the first 12 months from account opening. Cardholders can also enjoy rewards, including Cash Back Awards, along with exclusive benefits such as access to the Visa Luxury Hotel Collection.

  • Representative Annual Percentage Rate (RAPR): 17.0% (variable)*

  • Annual Purchase Interest Rate: 11.84% (variable)
 Introductory rates available
 
 Cash Back Awards
Learn more about the AIB Platinum Card
AIB Platinum visa card

*Representative Example: Assuming the full €1,500 credit limit is used for purchases and repaid over 12 equal monthly instalments at 11.84% variable purchase interest (17.0% APR variable), the total amount repayable is €1,596.20, including €30 Government Stamp Duty. Interest charged: €96.20.

AIB 'Be' visa card

AIB 'be' Visa Card

Our ‘be’ Credit Card offers introductory rates on purchases and balance transfers for the first 12 months from account opening. After the introductory period, the annual purchase interest rate is 14.16% variable when you spend €5,000 or more in a 12-month period, otherwise 16.79% variable applies.

  • Representative Annual Percentage Rate (RAPR): 22.9% (variable)

  • Annual Purchase Interest Rate: 16.79% variable
 Introductory rates
 
 Lower purchase interest rate based on your annual spend
Learn more about the AIB 'Be' Card

*Representative Example: Assuming the full €1,500 credit limit is used for purchases and repaid over 12 equal monthly instalments at 16.79% variable purchase interest (22.9% APR variable), the total amount repayable is €1,636.50, including €30 Government Stamp Duty. Interest charged: €136.50.

AIB ‘Student’ Credit Card

The Student Credit Card is designed for AIB customers who are third level students.

  • Representative Annual Percentage (RAPR): 20.5% (variable)*

  • Annual Purchase Interest Rate: 14.85% variable
 Ideal for 3rd level students
 
 Introductory rates available
Learn more about the AIB Student Card
AIB student visa card

*Representative Example: Assuming the full €1,500 credit limit is used for purchases and repaid over 12 equal monthly instalments at 14.85% variable purchase interest (20.5% APR variable), the total amount repayable is €1,620.66, including €30 Government Stamp Duty. Interest charged: €120.66.

Resources

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Support and guidance

Get help with typical queries to manage your personal credit card.
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How to apply

Apply in a few steps through online banking, the mobile app or by calling us.
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Which card?

Compare our cards and pick the one that works for your lifestyle.
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How credit cards work

Understand the basics of credit cards and learn about our fees and charges.
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Is a credit card right for you?

Learn when credit cards are useful – and when to consider other options.

Why apply for an AIB Credit Card?

Features and benefits of our personal credit cards.

 No annual bank fee

Though, we apply an annual Government Stamp Duty of €30 per credit card account.

 Up to 56 days interest free credit

If you pay your balance in full and on time each month, you will avoid paying any interest. How up to 56 days interest free credit works.

 Spread your repayments

You can decide how much you want to repay from the minimum amount (3% or €6.35, whichever is greater) to the full outstanding balance.

 Online and mobile card management

You can view and manage your card through the mobile app or internet banking.

 Contactless and mobile payments

Supports contactless payments and works with Apple Pay / Google Pay.

 Emergency cash service

If your card is lost or stolen, we can arrange emergency cash for you in most countries.

How to apply

If you are 18 years of age or above and a permanent resident in the Republic of Ireland, you can apply for a credit card.

If you already have an account with us:

Swap card:

If you already have a credit card with us, and want to apply to swap to another one, please fill out your contact details in the callback form.

Non-AIB Customers or AIB customers without online banking:

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Documents you will need to provide

Regulatory information

Lending criteria, terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Government stamp duty of €30 is charged annually per credit card account. For more information, please see our Government Charges page.

Warning
If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit report, which may limit your ability to access credit in the future.