Spending power and rewards for you.  

The AIB Platinum Visa Card is designed to provide a high level of flexibility, service and rewards including Cash Back Awards and Global Assistance service for our personal customers.

Features and Benefits:


  • Special introductory annual interest rate of 3.83% (variable) on purchases and balance transfers for the first 12 months from account opening (Fees, Charges and Important Information). At the end of those 12 months the annual interest rates revert back to the standard rate applicable at that time. The balance transfer offer applies to balances transferred from store cards or non-AIB cards. The total sum of balance transfers must not exceed €5,000.  

  • Cash Back Awards:
    Spend over €5,000 (and up to €50,000) in any 12 month period from your account opening date, we will give you 0.5% of that amount back (maximum award for each 12 month period is €225)*

    *Cash Back Awards are calculated on a monthly basis and credited to your account on the statement date each month. For full terms and conditions of this service, please see the Cashback Awards section in the AIB Personal Credit Card Terms and Conditions.

  • Annual interest rate of 11.84% (variable)

  • Annual Percentage Rate (APR) 17.0% (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 11.84% variable, (Representative 17.0% APR variable), the total amount you will pay back is €1596.20 which includes Government stamp duty charge of €30.00. Interest charged would be €96.20.

  • 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).

  • 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 Ireland’s favourite brands.


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

  • Second Platinum 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: €40,000

  • Visa Luxury Hotel Collection

  • The Visa Luxury Hotel Collection delivers a unique collection of benefits. Reserved for AIB Platinum Visa cardholders, the set of benefits are designed to help ensure guests have an unparalleled experience. Benefits include:

  • Best available rate guarantee

  • Automatic room upgrade upon arrival, when available

  • Complimentary in-room Wi-Fi, when available

  • Complimentary continental breakfast daily

  • $25 USD food or beverage daily

  • VIP Guest status

  • 3pm check-out upon request, when available

    A selection of the finest hotels comprise the Visa Luxury Hotel Collection, from boutique gems to world famous resorts. Visa appraise each hotel regularly to help ensure it continues to meet the highest standards.

    Visit www.visaluxuryhotelcollection.com to view detailed information on all properties. Your benefits are activated automatically when you book through the site.

  • 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 Platinum Credit 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 Platinum Credit Card along with your Personal Identification Number (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 the Important Information for fees and charges for more information.

  • Emergency Cash Facility
    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 and 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 call: +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 or AIB Customers without Internet Banking can:

  • Apply by contacting us on 1890 724 724

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

  • Drop into any AIB Branch.


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 Platinum Visa 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.


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Help and Guidance

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    Find out what documentation you will need to provide to verify your identity.

    To comply with legislation to combat money laundering and terrorist financing, we will need to see suitable documentation to verify both your identity and your current permanent address.

    What you need: 

    • Proof of Identity: a valid Passport, Driver’s Licence, EU National Identity Card.

    • Proof of Current Permanent Address (documents must be no more than 6 months old): Utility Bill, Correspondence from a regulated financial institution (insurance/assurance co., bank, credit card company or investment company), Correspondence from a government department/body.


    We will require a certified copy of your Proof of Identity and two certified copies of your proof of address. Your documentation can be certified by a practicing solicitor, Garda or certified at your local AIB Branch. 


    Note: The name on your photographic identification must exactly match the name on your proof of address. Please talk to one of our staff at your local branch if you don’t have the documentation outlined above.


    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.

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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.


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