Click Visa Card

Ireland’s Lowest APR Credit Card

No matter how well you manage your money, sometimes things come along that just can't wait until the end of the month. A credit card can be very useful in giving you the freedom to do what you need to do, when you need to do it.

The AIB Click Credit Card puts you in control, giving you the flexibility to pay for those unexpected purchases. It also has the lowest APR in Ireland (Competition and Consumer Protection Commission Credit Card Comparisons, correct as of 06 October 2026).

Not sure which card is right for you? Compare our cards.

Representative Annual Percentage Rate (APR) 13.8% (variable)

Representative example:

Based on an assumed credit limit of €1500 and annual purchase interest rate of 9.11% (variable). The total amount you will have to pay: €1,574.02

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 €74.02

AIB Click Visa Card Features and Benefits

- Annual Purchase Interest Rate of 9.11% (variable) on purchases (Fees, Charges and Important Information (PDF, 4 pages, 660KB)).
- 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, 660KB)).
- Representative Annual Percentage Rate (APR) 13.8% (variable)
  
  Representative Example:
  
  Based on an assumed credit limit of €1500 and annual purchase interest rate of 9.11% (variable).
  
  The total amount you will have to pay: €1,574.02
  
  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 €74.02
  
  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.
- Contactless Payment
  The card is enabled for 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:
- Minimum Qualifying Salary: €16,000
- Credit Limit to suit you
  You can request an increase to your credit limit through AIB Internet Banking or AIB Mobile Banking (subject to lending criteria). Alternatively, you can contact Card Services on (01) 668 5500 (or +353 1 668 5500 from abroad), Monday to Sunday, 9:00–17:00. Please note that credit limit increases cannot be processed over the phone without written instruction, which may result in longer processing times.
- Spread your repayments
  With an AIB CLICK Visa 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 free credit
  If you clear your balance in full and on time each month, you can avoid paying interest.
- Secure Online Shopping
  We may need to confirm it’s you before an online Transaction can be authorised or your Card details can be stored online for future use. The easiest way to do this is using the AIB Mobile App. To find out more, go to aour webshopping page.
- Access your monthly credit card statement online by logging in to AIB Mobile or Internet Banking (as you will not automatically receive paper statements through the post).
- Customer Service
  If you have any queries, contact us on (01) 668 5500 (or +353 1 6685500 from abroad) Monday - Sunday: 9:00 - 17:00. 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). We’re here to help.
- 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 & 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, as advised by our customer service staff. If you have any queries, contact us on (01) 668 5500 (or +353 1 6685500 from abroad) Monday - Sunday: 9:00 - 17:00. 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). We’re here to help.
- Instant cash
  You can use your AIB CLICK Visa 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, 4 pages, 660KB) for more information.

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:

You can apply for AIB Click Visa Card online through the mobile app or internet banking. In the mobile app, open Products, select Click credit card, and follow the steps.

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:

Call us on 0818 724 725, 9:00 -17:00 Monday to Friday (except bank holidays), or;
Request 'Call me back' from a customer service representative, or;
Drop into your Local branch.

A woman is smiling while holding and using her phone.

AIB strongly recommends that you review the Fees, Charges and Important Information below before applying for a credit card. Approval is subject to lending criteria, and it’s important that you understand the fees, charges and terms and conditions. If you have any questions, please contact us.
Fees, Charges and Important Information (PDF, 5 pages, 91.1KB)
AIB Personal Credit Card Terms and Conditions (PDF, 23 pages, 542KB)

Need help?

Call us on 0818 724 725 or +353 17712424 (Outside Ireland) (lines are open Monday to Friday 9am – 5pm) or drop into your local branch.

Documents you will need to provide

- Your last three months’ bank statements showing your salary
- If your salary is paid into a joint account, you’ll need to provide payslips for the last 3 months
- A document to prove your Public Personal Service Number(PPSN) (payslip or letter from the government that shows your PPSN)
- If you already have a credit card with another institution we will also need your last three months credit card statements for that card
- If you’re in employment with your current employer for less than 6 months we will also need copy of a signed contract or letter of employment from your employer confirming your income.
- Your last three months’ bank statements showing your income
- A document to prove your PPSN (payslip or letter from the government that shows your PPSN)
- Your most recent Notice of Assessment (NOA) / Balancing Statement (e/online certs) / UK Tax Returns; or
- Accountant’s written confirmation of income; or
- Up to date financial statements/accounts
- If you already have a credit card with another institution we also need your last three months’ credit card statements for that card.
- Last three months’ bank statements showing your pension payments
- If you already have a credit card with another institution we also need your last three months credit card statements for that card
- A document to prove your PPSN (payslip or letter from the government that shows your PPSN)
- If you have more than one pension, a document from your pension provider showing how much you get paid each year from these pensions.
We are required by law to collect and verify your Personal Public Service Number (PPSN) or Tax Reference Number (TRN). This is required by the Central Bank of Ireland’s Central Credit Register for customer identification.

In order to verify your PPSN/TRN you may need to provide us with an original or electronic version (for example, a PDF or photo) of a document showing your PPSN/TRN and full name. For a full list of acceptable documents and more information on how to provide it, visit AIB's Central Credit Register or your local AIB Branch.

Contact us

Apply through online banking

Call 0818 724 725

Call me back

Help and Guidance

Personal Credit Card’s Support and Guidance

Other Information

Managing Your Personal Borrowings
Helping our customers through difficult times.

Help Centre
For all service related queries please visit our Help Centre.

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

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.

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