Features & Benefits:

• Fees and Rates

  • Annual Purchase 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).

  •  Representative 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.

    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.

• 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  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 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.

• Services

  • 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 aib.ie/webshopping.

  • 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). 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 your credit card is lost or stolen please call us immediately on (01) 668 5500 (or +353 1 668 5500 from abroad).
    

  • 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.

   

• You may need documentation showing your PPSN/Tax Registration Number(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 AIB's Central Credit Register or your local AIB Branch.