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Information for credit card customers who have the Classic Visa Card, the AIB Visa Card or the Standard Visa Card*

From April 2025, the Annual Purchase Interest Rate (variable) will be reduced to 14.16% for customers who hold the Classic Visa Card, the AIB Visa Card and the Standard Visa Card* and where their current Annual Purchase Interest Rate (variable) is 18.24%.

Customers who have these cards and are affected by this rate change will receive a detailed communication by the end of February 2025.

For questions and answers on this change click here.

Current Annual Purchase Interest Rate (variable)
Current Representative Annual Percentage Rate (RAPR) – Purchases (variable)
New Annual Purchase Interest Rate (variable)
New Representative Annual Percentage Rate (RAPR) – Purchases (variable)
  • The Classic Visa Card
  • The AIB Visa Card
  • The Standard Visa Card* 
 18.24% 24.7% 14.16% 19.7%

*Excluding Standard Visa Card (Formerly known as the Eircell Visa Card) with an RAPR of 18.8%).


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.

The Representative APR assumes that you make purchases to the full extent of a €1,500 credit limit (inclusive of Government Stamp Duty charge of €30), and you repay in 12 equal monthly repayments and interest rates remain the same.

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, currently €30, is charged annually per credit card account.

Warning
If you do not meet the repayments on your credit card, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL (Buy Now Pay Later) agreement in the future.

Questions & Answers