Get the lowest APR interest rate available* with AIB Click Credit Card. 


The AIB Click offers the lowest APR interest rate on credit cards available* and gives you access to your credit card services through online banking. So whether you want to request a replacement card or Personal Identification Number (PIN) reminder or apply for a credit limit increase, you will have control of what you need, just a click away! The AIB CLICK Visa Card is available to personal customers who are registered users of AIB Phone and Internet Banking.

Features & Benefits:

  • 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.

  • 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 Google Pay™ and Apple Pay. Simply touch and pay for items that cost €30 or less with Google Pay/Apple Pay. For items over €30 you can pay using Google 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 Irelands favourite brands.  

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

  • 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.

  • Minimum Qualifying Salary: €16,000

  • 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).

  • Balance Transfer
    The standard annual interest rate for purchases will be applied on Balance Transfers. Please view Important Information for fees and charges for more 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 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.

  • 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.

  • Instant cash
    You can use your AIB CLICK Visa Card along with your PIN to withdraw cash at any Automatic Teller Machine (ATM) or Bank that displays the Visa logo at home and abroad. Annual cash interest rates and fees and charges apply, please view 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).

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:

  • Currently not available.

AIB Customers without AIB Internet Banking:

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 or +353 17712424 (Outside Ireland) (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 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

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.


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: (credit cards)

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