A credit card designed to fit your budget and financial needs. 

The AIB Student Mastercard is designed to give you financial freedom and convenience during your student days. With the AIB Student Mastercard, you have spending power in your pocket whether it's for every day essentials or to take advantage of those last minute online deals.

Features & Benefits:


  • Special introductory annual interest rate of 3.83% (variable) on purchases for the first 12 months from account opening (Fees, Charges and Important Information).

  • Annual interest rate of 14.85% (variable)

  • Annual Percentage (APR)  20.5% (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 14.85% variable, (Representative 20.5% APR variable), the total amount you will pay back is €1,620.66 which includes Government stamp duty charge of €30.00. Interest charged would be €120.66.

  • Minimum Qualifying Criteria:
    Applicants must be a third level student in full-time education and have or open an AIB Student Plus Account. They must also have held a bank account for a minimum of 3 months, and must be at least 18 years of age.

  • 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 Android Pay™ and Apple Pay. Simply touch and pay for items that cost €30 or less with Android Pay/Apple Pay. For items over €30 you can pay using Android Pay/Apple Pay depending on the retailer. Just look for the below symbols:


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

  • Spread your repayments
    With an AIB Student Mastercard, you decide how much you want to repay from the minimum amount (3 % or €6.35, whichever is greater) to the full outstanding balance by direct debit. The Student Mastercard must be paid by direct debit.

  • 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) 668 5500 (or +353 1 668 5500 from abroad).  We’re here to help. 

    Secure Internet Shopping for peace of mind when shopping online with Mastercard SecureCode.

  • Instant cash
    You can use your AIB Student Mastercard along with your Personal Identification Number (PIN) to withdraw cash at any Automatic Teller Machine (ATM) or Bank that displays the Mastercard logo at home and abroad. Annual cash interest rates and fees and charges apply, please view 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) 668 5500 (or +353 1 668 5500 from abroad).

How to Apply 


Applicants must:

  • Be a third level student in full time education

  • Have an AIB Student Plus account

  • Be over 18

  • Have held a bank account for a minimum of 3 months


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 (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 Student Mastercard 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 documents 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 AIB 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

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.

Based on Ipsos MRBI most recent market research (2015), AIB had the highest market share of main current account amongst students in Ireland aged 18-26.


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