AIB Student Credit Card

Special introductory annual interest rate of 3.83% (variable) on purchases for the first 12 months from account opening (Fees, Charges and Important Information (PDF, 4 pages, 210KB)).

Annual Purchase Interest Rate of 14.85% (variable)

Representative Annual Percentage (APR)  20.5% (variable)

Representative Example:

Based on an assumed credit limit of €1500 and annual purchase interest rate of 14.85% (variable).

The total amount you will have to pay: €1,620.66

The above figure 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. Interest charged €120.66

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, 4 pages, 210KB)).

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

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: 

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

Spread your repayments
With an AIB Student 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 by direct debit. The Student Visa Card must be paid by direct debit.

Customer Service
If you have any queries, contact us on (01) 668 5500 (or +353 1 668 5500 from abroad) Monday - Sunday: 9:00 - 17:00. 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.

Instant cash
You can use your AIB Student 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 Important Information for fees and charges (PDF, 4 pages, 210KB) 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 you have any queries, contact us on (01) 668 5500 (or +353 1 6685500 from abroad) Monday - Sunday: 9:00 - 17:00. 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.