Best AIB Credit Cards for April 2024
AIB Credit cards don’t usually offer 0% interest rates on balance transfers and purchases, but they try and compensate by offering lower interest rates/APR and cash backs in some instances. AIB Credit cards offer on cash back are hard to find or hard to beat. They also offer good business credit cards which is quite popular for Irish entrepreneurs. Some AIB’s credit cards offer great rewards through its card network. Also important to mention that due to the cap on consumer credit transaction fees, banks in Ireland including AIB is limited to the offers and rewards it can offer its customers. However despite these caps, AIB have managed to make their credit cards worth keeping.
ALSO SEE: Best Credit Cards in Ireland
- List of AIB Credit Cards
- Compare AIB Credit Cards
- A Closer Look into AIB Credit Cards
- Personal Credit Card
- Business Credit Card
- Other Cards Issued by AIB
- What are the benefits of AIB Credit Cards
- What are the credit limits of AIB Credit Cards
- What are the interest rates on AIB Credit Card
- How to qualify for AIB Credit Card
- Frequently Asked Questions
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List of AIB Credit Cards
Personal Credit Cards
- AIB CLICK Visa Card: Best for lowest APR in Ireland
- AIB ‘be’ Visa: Best for long term value
- AIB Platinum Visa Card: Best for cash back
- AIB Student Credit Card: Best for long term value for Students
Business Credit Cards
- Classic Visa business card: Best for everyday business expenses
- Visa purchasing card: Best for low transactions
- Premier Visa corporate card: Best for business travel rewards
- Executive Visa corporate card: Best for airport lounge access and travel rewards
Compare AIB Credit Cards
| Credit Card | Best For | Rewards | Ratings |
|---|---|---|---|
|
AIB Click Visa Card
|
Lowest Apr |
9.11% variable interest rate 13.8% APR variable €o Annual fee Free Second Card holder and no additional Government stamp duty |
4.4/5 |
|
AIB ‘be’ Visa Card
|
Long term value |
3.83% variable on purchases for 12 months from account opening 3.83% variable on balance transfer for 12 months from account opening €o Annual fee Free second ‘be’ card |
4.3/5 |
|
AIB Platinum Card
|
Cash back |
3.83% variable on purchases for 12 months from account opening 3.83% variable on balance transfer for 12 months from account opening Cash Back of up to €225 per annum, terms apply Visa Luxury Hotel Collection reward program €o Annual fee
|
5.0/5 |
|
AIB Student Visa Card
|
Long term value for students |
3.83% variable on purchases only for 12 months from account opening €o Annual fee |
3.9/5 |
|
Classic Visa Business Card
|
Everyday business expense |
Access to 360 Control online management information reporting tool for your business Protection and emergency cash while abroad Protection with Card Liability Waiver Insurance Annual fee of €19.05 |
TBD Full review |
|
Visa Purchasing Card
|
Low value transactions |
Access to 360 Control online management information reporting tool for your business Protection and emergency cash while abroad Protection with Card Liability Waiver Insurance Great for employee single transaction limit and can be used to replace petty cash and cheques Annual fee of €0 |
TBD Full review |
|
Premier Visa Corporate Card
|
Business Travel Rewards |
Worldwide Mutli-trip Travel Insurance AA membership includes Roadside Rescue and Home Start Visa Luxury Hotel Collection Access to 360 Control online management information reporting tool for your business Protection and emergency cash while abroad Protection with Card Liability Waiver Insurance Annual fee of €100 |
TBD Full review |
|
Executive Visa Corporate Card
|
Airport lounge access and travel rewards |
Priority Pass for executive airport lounges Worldwide Mutli-trip Travel Insurance AA membership includes Roadside Rescue and Home Start Visa Luxury Hotel Collection Access to 360 Control online management information reporting tool for your business Protection and emergency cash while abroad and Protection with Card Liability Waiver Insurance Annual fee of €200 |
TBD Full review |
A Closer Look into AIB Credit Cards
Personal Credit Card
AIB Click Visa Card: Best for lowest APR in Ireland
What we like about AIB Click Visa Card: The AIB click visa card is best known for its low APR with no annual fee and that is why we love it. Its an affordable everyday credit card and gives you the flexibility to make large purchases because of its low interest.
Who should get an AIB Click Visa Card: Low income earners, new credit builders and those who just want a credit card for long term use and not looking for extra rewards
Alternatives: Bank of Ireland Classic Credit Card has no annual fee, but offers a 0% intro interest rate on purchases for 6 months or 0% interest rate on balance transfers for 7 months from account opening. In addition the classic credit card offers more rewarding experience and exclusive offers on the Mastercard priceless.
Read our full AIB Click Visa Card review.
AIB ‘be’ Visa Card: Best for long term value
What we like about AIB ‘Be’ Visa Card: The AIB ‘be’ visa card offers you lower interest rate when you spend more than €5000 in any 12 months period. We like the is best know for its low APR and that is why we love it. Its an affordable everyday credit card.
Who should get an AIB ‘Be’ Visa Card: low – mid income earners and those who want flexibility and control in making large and unexpected purchases.
Alternatives: Avant Money One Credit Card also has no annual fee, but it has more generous options with its intro offer of 0% for balance transfers and purchases and in addition you get to enjoy the advantage loyalty program offers and discounts.
Read our full AIB ‘be’ Visa Card review.
AIB Platinum Visa Card: Best for Cash back
What we like about AIB Platinum Visa Card: We love the cash back option. Maximum €225 per annum (terms apply) but these amount can help you cover your yearly government stamp duty of €30 per annum and toward any payments towards your account. We also like the visa hotel benefits. There is also a reduced interest of 3.83% for purchases and balance transfers for one year too.
Who should get an AIB Platinum Visa Card: High income earners, frequent travellers and those that love travel rewards and benefits.
Alternatives: Bank of Ireland Platinum Credit Card provides more generous options than AIB platinum visa card with 0% intro interest rate on Balance Transfers for 7 months and 0% interest rate on purchases of for 6 months but it comes with an annual fee but more interesting rewards like travel insurance and access to exclusive offers and experience on Mastercard Priceless.
Read our full AIB Platinum Visa Card review.
AIB Student Visa Card: Best for long term value for students
What we like about AIB Student Visa Card: We like the AIB student visa card is a great choice for students to cater for their every day essentials and take advantage of online deals. It is also a great opportunity for students to start building their credit before launching their professional career. Students get a low interest rate of 3.83% on purchases for 12 months from the date their account is opened.
Who should get an AIB Student Visa Card: Third level institution students, university/college students and students looking to start building up their credit responsibly.
Alternatives: Bank of Ireland Student Credit Card is considered the best student card overall because for a no annual fee card, you get 0%interest rate on purchases of balance transfers for up 6 months. Students get access to free travel insurance and are also able to keep the card for up to 2 years after graduation.
Read our full Student Visa Card review.
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Business Credit Card
Classic Visa Business Card: Best for everyday business expense
What we like about Classic Visa Business Card: It is an easy to use contactless card with a card liability waiver insurance. You also get access to 360control is an online management information reporting to simplify accounting workflow and back office tasks.
Who should get a Classic Visa Business Card: Small business looking to manage cashflow and get on top of everyday expenses.
Alternatives: Bank of Ireland Business Credit Card is considered the best business card programme because of its features which also includes comprehensive travel insurance.
Read our full “Classic Visa Business Card” review.
Visa Purchasing Card: Best for low value transactions
What we like about Visa Purchasing Card: We like the Visa purchasing card because it helps business owners avoid using petty cash and cheques for those everyday low value transactions.
Who should get a Visa Purchasing Card: Small business owners who make frequent low value transactions.
Alternatives: Bank of Ireland Business Credit Card is also designed for business related expenses.
Read our full ‘Visa Purchasing Card’ review.
Premier Visa Corporate Card: Best for business travel rewards
What we like about Premier Visa Corporate Card: This card is has Worldwide Mutli-trip Travel Insurance and access to the Visa Luxury Hotel Collection which makes it very attractive.
Who should get a Premier Visa Corporate Card: Business owners that have to travel for work regularly.
Alternatives: Bank of Ireland Gold Business Credit Card is a good alternative to the premier visa card because of the added travel rewards feature.
Read our full ‘Premier Visa Corporate Card’ review.
Executive Visa Corporate Card: Best for airport lounge access and travel rewards.
What we like about Executive Visa Corporate Card: We like the Priority Pass for executive airport lounges, AA membership travel insurance and Visa luxury hotel feature.
Who should get an Executive Visa Corporate Card: Frequent flyers and business people.
Alternatives: Bank of Ireland Gold Business Credit Card is a good alternative to the premier visa card because of the added feature of the Aer Lingus Lounges, Priority Check-In & Fast track access to the security channel.
Read our full ‘Executive Visa Corporate Card’ review.
What are the benefits of AIB Credit Cards?
Interest Rate: AIB cards are generally lower in terms of interest rates/APR compared to other credit cards in the market. So if you take an AIB credit card you are most likely going to save on costs.
Rewards: AIB Credit Cards have the best cash back rewards in the Irish market, and these cash back can be useful in covering annual statutory stamp duty charges and other fees on the account. Some AIB Credit Cards offer hotel benefits which can be useful for travellers and holiday people.
See our Coins to Asset Best Credit Cards in Ireland reviews to compare with other cards
What are the credit limits of AIB Credit Cards?
The credit limit you qualify for ultimately depends on your financial situation, as well as how much credit you have across your other cards. Economic conditions also affect credit limits. The credit limit you get also depends on the type of AIB credit card you applyfor. For example the credit lime on a student credit card differs from a platinum card.
What are the interest rates on AIB Credit Card?
| Credit Card | Interest rates | APR |
|---|---|---|
|
AIB CLICK Visa Card |
9.11% |
13.8% |
|
AIB Student Visa Card |
14.85% |
20.5% |
|
AIB Platinum Visa Card |
11.84% |
17.0% |
|
AIB ‘be’ Visa Card |
14.16% – 16.79% (depending on spending) |
22.9% |
AIB Credit card interest rates are variable, meaning they can change over time.
How we analysed AIB Credit Cards?
We reviewed the entire AIB Credit Card portfolio including the business credit cards across the following criteria
- Interest rate/APR – We compared the interest rates and APR and other related fees to gives us an indication of the cost and value of the card.
- Annual fee – We looked at if the AIB credit cards charged an annual fee and compared the overall value proposition and benefit of the card against the annual fee of the card.
- Introductory offers – Checked to see if there were any incentives to get the cards and analysed if offers were worth it.
- Rewards – Also reviewed if the AIB Credit Cards had any customer loyalty program included
- Perks and benefits – Look out for travel insurance, financial management tools (for the business credit cards), luxury benefits and other extras.
Frequently Asked Questions
What is the best AIB credit card?
We have a preference for the AIB Platinum Visa Card only because it is a platinum card with no annual fee added to it. It comes with visa luxury hotel collection offers and with 0.5% cash back which makes it simply worth it. The downside of this card is that low income earners are not qualified for it. On the business credit card, our preference is the premier visa corporate card which offers AA membership, Travel insurance and access to Visa Luxury hotel collection amongst other great features.
What is the easiest AIB Credit Card to be approved for?
The minimum qualifying criteria for the AIB Click Visa Card, makes it our top pick for the easiest AIB credit card to apply for. This is because the card is designed for low income earners and people that are looking to build their credit without making high interest rate payments. The card has the lowest interest rate and APR in Ireland.
Do I need a good credit to get an AIB credit card?
Yes you need to show a history of responsible handling of your bank account and your credit history to successfully make application for a credit card with AIB. Amongst other things your overal financial situation is assessed including your income and how many credit cards you have before a decision is made.
How do I cancel an AIB credit card?
You will need to reach out to AIB customer service either online or on the phone to discuss your concerns and the reasons for closing you credit card account.
Lynda Unogu MBA IMC (CFA UK) PMP
Lynda holds an MBA from University College Dublin and worked previously in product roles within financial services and technology firms like Mastercard, Citi Bank and JP Morgan. She constantly seeks to apply her expertise in financial services to the field of personal finance with the goal of helping people navigate the complexities of the finance.
