Earn Encore Rewards^TM with the Brown Thomas Visa credit card

Features & Benefits

• Fees and Rates

  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 (PDF, 4 pages, 60.5KB) 
  

  At the end of those 12 months the annual interest rates revert back to the standard purchase interest 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 Purchase Interest Rate of 14.84% (variable)

  Representative Annual Percentage Rate (APR) 20.5% (variable)

  Representative Example:

  Based on an assumed credit limit of €1500 and annual purchase interest rate of 14.84% (variable).

  The total amount you will have to pay: €1,620.66

  The above figure assumes that you make purchases to the full extent of a €1,500 credit limit (inclusive of Government Stamp Duty charge of €30), and you repay in 12 equal monthly repayments and interest rates remain the same. Interest charged €120.66.

  The Representative APR helps you to quickly compare different products offered by your lender and other lenders, using an assumed credit card usage and credit limit for illustrative purposes.

  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 (PDF, 4 pages, 60.5KB).

  Up to 56 days interest free credit

  If you clear your balance in full and on time every month, you can avoid paying interest.

• Brown Thomas Visa credit card Encore RewardsTM Programme
  • The Brown Thomas VISA Credit Card offers you exclusive rewards on your purchases in Brown Thomas, BT2 and Arnotts, and our Encore Rewards^TM Partners. More information on Encore Rewards^TM Partners.
  • You will earn 5% Encore Rewards^TM in Brown Thomas, BT2 and Arnotts and up to 5% Encore Rewards^TM with Encore Rewards^TM Partners.
  • Encore Rewards^TM Points are sent to you quarterly in the form of a Brown Thomas Gift Card. These points are shown clearly on the bottom of your Brown Thomas Visa credit card statement each month.
• Mobile or Tap to Pay
  • Contactless Payment
    You can use this card to make contactless payments. When the transaction is less than €50, you can choose to touch and pay where you see the contactless symbol . More information on contactless payments.
    
    
  • Mobile Payments 
    You can pay for your purchases quickly and securely using Google Pay™ and Apple Pay. Simply touch and pay for items that cost €50 or less with Google Pay/Apple Pay. For items over €50 you can pay using Google Pay/Apple Pay depending on the retailer. Just look for the below symbols:
     

          

• Salary Requirements
  Minimum Qualifying Salary: €16,000
• Card Limit and Repayments
  • Credit Limit to suit you
    You can request an increase in your credit limit by contacting customer service on (01)-2837398 (Subject to lending criteria)

  • Spread your repayments
    With a Brown Thomas Visa 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.
    
    
  • Up to 56 days interest free credit
    If you clear your balance in full and on time each month, you can avoid paying interest.
• Services
  • Customer Service
    If you have any queries, contact us on (01)-2837398 ( +353 1 2837398 from abroad). If your card is lost or stolen, please contact us 24 hours a day, 7 days a week on: 1800 24 22 27 within Ireland (or +353 1 269 5022 from abroad).
    
    
  • Secure Online Shopping
    When you're shopping online, we may need to confirm that it's really you using your card. This is to keep your card secure. Secure Online Shopping page.
     

  • Withdraw Cash
    You can use your Brown Thomas Visa credit card along with your PIN (Personal Identification Number) to withdraw cash at any ATM (Automatic Teller Machine) or Bank that displays the Visa logo at home and abroad.  Annual cash interest rates and fees and charges apply, please view the Important Information for fees and charges (PDF) (PDF, 4 page, 60.5KB) for more information.
    
    
  • Emergency Cash Facility
    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. To claim emergency cash, you will need to present your passport as proof of identity, as advised by our customer service staff. If your credit card is lost or stolen please call us immediately on  1800 24 22 27 within Ireland (or +353 1 269 5022 from abroad).