A different kind of credit card designed for everyday purchases.  

The AIB ‘be’ Visa or Mastercard is for personal customers who may need to borrow occasionally, or intend paying their outstanding balance in full every month. The 'be' Visa or Mastercard will reward customers who spend €5,000 or more in a 12 month period with a lower annual interest rate for purchases. The ‘be’ Visa or Mastercard is tailored for everyday customers using it for everything from buying groceries to buying petrol. 

Features & Benefits:


  • Lower Annual Interest Rate of 14.16% (variable) when you spend over €5,000 in a 12-month period
    Lower Annual Interest Rate explained: 
    With the 'be' Visa or Mastercard we reward you with a lower annual interest rate based on how much you spend in a 12 month period.

    When you spend €5,000 or more on purchases in a 12 month assessment period, the lower annual interest rate of 14.16% (variable), applies.*

    The higher annual interest rate of 16.79% (variable) applies to cardholders with purchases not exceeding €5,000 in a 12 month assessment period.

    *Incur any two instances of Late Payment, Returned Payment and Over Limit Fee within a 12-month assessment period and interest will be charged at the higher annual interest rate from the next statement date, regardless of spend. The account spend and penalty fee counters will be reset and a new 12-month assessment period will commence from the next statement date.

  • Special introductory annual interest rate of 3.83% (variable) on purchases and balance transfers for the first 12 months from account opening. (Fees, Charges and Important Information
    As a new ‘be’ credit card customer, you will also benefit from an introductory annual interest rate on purchases and balance transfers of 3.83% (variable) for 12 months from the date your credit card account is opened. At the end of those 12 months the annual interest rates revert back to the standard rate applicable at that time. The balance transfer offer applies to balances transferred from store cards or non-AIB cards. The total sum of balance transfers must not exceed €5,000.

  • Annual Percentage Rate (APR) 22.9%(variable)
    Representative Example: Assuming a credit limit on your card of €1,500, you used your full limit to make a single card purchase immediately after receiving your card, and you repaid in equal monthly payments over 12 months at an interest rate of 16.79% variable, (Representative 22.9% APR variable), the total amount you will pay back is €1636.50 which includes Government stamp duty charge of €30.00. Interest charged would be €136.50

  • No annual bank fee
    (Government stamp duty of €30.00 is charged annually per credit card account). Other fees and Charges may apply (Fees, Charges and Important Information)


  • Contactless Payment
    The card is enabled for Contactless payments. When the transaction is less than €30, you can choose to touch and pay where you see the contactless symbol . For more information please click here


  • Mobile Payments You can pay for your purchases quickly and securely using Android Pay™ and Apple Pay. Simply touch and pay for items that cost €30 or less with Android Pay/Apple Pay. For items over €30 you can pay using Android Pay/Apple Pay depending on the retailer. Just look for the below symbols: 

  • AIB Everyday Rewards Use your card. Get a little something back with AIB Everyday Rewards. Simply use your AIB Visa debit or credit cards for your everyday shopping and receive cashback from some of Ireland’s favourite brands.   


  • Up to 56 days interest free credit
    If you clear your balance in full and on time each month, you can avoid paying interest.

  • Second 'be' Card Free
    You can have one additional cardholder added to your AIB Credit Card provided that the cardholder is a family member (defined as parent, spouse, partner, sibling or child over 16 years) who normally resides at your address.

  • Minimum Qualifying Salary: €16,000

  • Choose the Card for You
    Choose the ‘be’ Credit Card that suits you best. The Visa Credit Card has black droplets and the Mastercard has green droplets. Both Cards carry the same benefits. The only difference between the two cards is the different currency conversion fees.  For more information on fees and charges, please see Fees, Charges and Important Information

  • Credit Limit to suit you
    You can request an increase in your credit limit using AIB Internet Banking (Subject to lending criteria)

  • Spread your repayments
    With an AIB 'be' Credit Card, you decide how much you want to repay from the minimum amount (3 % or €6.35, whichever is greater) to the full outstanding balance

  • 24-hour service
    If you have a query on your account, our customer service staff are available 24 hours a day 7 days a week on (01) 6685500 (or +353 1 6685500 from abroad). We're here to help.

    Secure Internet Shopping for peace of mind when shopping online with Verified by Visa/Mastercard SecureCode

  • Instant cash
    You can use your AIB 'be' Credit Card along with your Personal Identification Number (PIN)  to withdraw cash at any Automatic Teller Machine (ATM) or Bank that displays the Visa or Mastercard logo at home and abroad. Annual cash interest rate and fees and charges apply, please view the Important Information for fees and charges.

  • Emergency Cash Service
    In emergency situations, if your credit card is lost or stolen when abroad, we can, on approval, provide you with emergency Cash up to US$5,000.00 (subject to available credit, Cash Advance and Currency Conversion fees and charges may apply). The emergency cash is normally available within 48 hours in most countries. In order to claim emergency cash you will be required to present your passport as proof of identity at a Western Union outlet near your location, as advised by our customer service staff. If your credit card is lost or stolen please call us immediately on (01) 6685500 (or +353 1 668 5500 from abroad).

How to Apply

If you already have an AIB Credit Card and you are looking to change it to another one of our credit card products, please call us at 1890 724 724.


Non-AIB Customers or AIB Customers without Internet Banking can:

  • Apply by contacting us on 1890 724 724

  • Request 'Call Me Back' from a customer service representative; or

  • Drop into any AIB Branch.


AIB Internet Banking Customers can:

  • Click the button below to apply through AIB Internet Banking.


Need help deciding which credit card is right for you? You can…

Simply call 1890 724 724 (lines are open Monday to Friday 8am – 9pm and Saturday 9am – 6pm), or drop into any AIB branch. We’ll be happy to answer your questions and find the right kind of credit card for you.

AIB ‘be’ Visa/Mastercard Downloads

AIB strongly recommends that before purchasing this product you review the Fees, Charges and Important Information below. It's important that you understand the fees and charges and the terms and conditions before taking out your new credit card. If you have any questions, please don't hesitate to contact us and we will talk you through it.


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Help and Guidance

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    Find out what documentation you will need to provide to verify your identity

    To comply with legislation to combat money laundering and terrorist financing, we will need to see suitable documentation to verify both your identity and your current permanent address.


    What you need: 

    • Proof of Identity: a valid Passport, Driver’s Licence, EU National Identity Card

    • Proof of Current Permanent Address (documents must be no more than 6 months old): Utility Bill, Correspondence from a regulated financial institution (insurance/assurance company, bank, credit card company or investment company), correspondence from a government department/body.


    We will require a certified copy of your Proof of Identity and two certified copies of your proof of address. Your documents can be certified by a practicing solicitor, Garda or certified at your local AIB Branch.


    Note: The name on your photographic identification must exactly match the name on your proof of address. Please talk to one of our staff at your local AIB Branch if you don’t have the documentation outlined above.


    Travel Tips

    The convenient and safe way to access money while abroad.


    Managing Your Personal Borrowings

    Helping our customers through difficult times.

    Help Centre

    For all service related queries please visit our Help Centre.

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Other Information

AIB may have other products that are appropriate for your needs, please view our Product Finder for more 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.

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