AIB Platinum Visa Card

Features & Benefits:

• Fees and Rates

  • 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 (PDF)). 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.  

  • Annual Purchase Interest Rate of 11.84% (variable)

  • Representative 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.

    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.

  • 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 (PDF)).

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

• 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:

    
    

• Exclusive Benefits

  • 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 (PDF).

  • 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 Luxury Hotel Collection's site to view detailed information on all properties. Your benefits are activated automatically when you book through the site.

• Salary Requirements

  • Minimum Qualifying Salary: €40,000

• 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 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.

• Services

  • Customer Service
    If you have any queries, contact us on (01) 668 5500 ( +353 1 668 5500 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. Secure Online Shopping page.

  • Instant cash
    You can use your AIB Platinum Credit 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 (PDF) 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, as advised by our customer service staff. If your credit card is lost or stolen please call us immediately on (01) 668 5500 (or call: +353 1 668 5500 from abroad).