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 a very useful financial tool, giving you the freedom and peace of mind 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*.


The APR (annual percentage rate) is the rate you are charged when you use your credit card to pay for goods or services. APR is an annualised rate taking into account all of the costs including interest and any other regular charges.


When you’re choosing a Credit Card choose AIB Click, the credit card that makes your hard earned money go further.

--------------------Start of Accordion Container---------------------------

Click on edit button to enter Accordion Header

Features & Benefits:

  • --------------------Start of Accordion---------------------------

    Fees and Rates

    • Low annual interest rate of 9.11% (variable) on purchases (Fees, Charges and Important Information).

    • 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).

    • Annual Percentage Rate (APR) 13.8% (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 9.11% variable, (Representative 13.8% APR variable), the total amount you will pay back is €1,574.02 which includes Government stamp duty charge of €30.00. Interest charged would be €74.02.

    • Second CLICK 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.

    --------------------End of Accordion---------------------------

  • --------------------Start of Accordion---------------------------

    Mobile Pay or Tap to Pay

    • 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  For more information please click here.

    • 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:



    --------------------End of Accordion---------------------------

  • --------------------Start of Accordion---------------------------

    Salary Requirements

    • Minimum Qualifying Salary: €16,000 

    --------------------End of Accordion---------------------------

  • --------------------Start of Accordion---------------------------

    Card Limit and Repayments

    • 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 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.

    --------------------End of Accordion---------------------------

  • --------------------Start of Accordion---------------------------


    • Access your monthly credit card statement online by logging in to AIB Internet Banking (as you will not automatically receive paper statements through the post).

    • 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 for more information.

    • 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 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).

    • Customer Service

      If you have any queries, contact us on (01) 668 5500 (or +353 1 6685500 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). We’re here to help.

    • 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. To find out more  click here

    --------------------End of Accordion---------------------------

-------------------End of Accordion Container---------------------------

How to Apply?


Existing AIB Customers can:


  • Click the button below to apply through AIB Internet Banking. Please note this card is only available to existing AIB customers with Internet Banking.

  • 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:


  • Talk to us about Credit Cards by contacting us on 1890 724 724.

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

  • Drop into any AIB local branch.

Need help? You can…


  • Call us on 1890 724 724 or +353 17712424 (Outside Ireland) (lines are open Monday to Friday 9am – 5pm)

  • Drop into your local branch.


AIB CLICK Credit Card 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.


Help and Guidance

  • --------------------Start of Accordion---------------------------

    You may need documentation showing your PPSN/TRN

    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 or your local AIB Branch.

    --------------------End of Accordion---------------------------


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.


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. 


Source* Competition and Consumer Protection Commission Credit Card Comparisons, correct as at 24th August 2020.


Related Products / Contents

Live Web Chat