Get Credit with AIB Click
If you're already an AIB customer, apply via Internet Banking.
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.
Documents you will need to provide
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Pay As You Earn (PAYE) employee
- Your last three months’ bank statements showing your salary
- Your last three months’ worth of payslips will be needed if your salary is mandated to a joint account
- 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.
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Self Employed
- 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.
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Retired
- Last three months’ bank statements in which your pension(s) is paid
- 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.
AIB Click Visa Card
Features & Benefits:
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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.
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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:
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Salary Requirements
Minimum Qualifying Salary: €16,000
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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.
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Services
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) 668 5500 (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. Find out more about secure online shopping.
How to Apply?
Non-AIB Customers or AIB Customers without Internet Banking can:
Call us on 0818 724 725
Request 'Call Me Back' from a customer service representative; or
Drop into your local branch.
Existing AIB Customers can:
Click the button below to apply through AIB 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 0818 724 725.
Need help? You can…
Call us on 0818 724 725 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.
- Fees, Charges and Important Information
- AIB Personal Credit Card Terms and Conditions
Contact Us
Help and Guidance
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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.
Other Information
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.
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. For more information, please see our Government Charges page.
Source* Competition and Consumer Protection Commission Credit Card Comparisons, correct as at 24th August 2020.
Before proceeding please read our Site Use Terms and Conditions, Privacy & Cookie statements which apply to your use of this website. AIB and AIB Group are registered business names of Allied Irish Banks, p.l.c. Registered Office: 10 Molesworth Street, Dublin 2.
