Best Bank of Ireland Credit Cards
Bank of Ireland are known to have a variety of credit cards to cater for different customer type. Including high Networth, low income or mid level income, frequent travellers, students, graduates and entrepreneurs. Their credit cards are known for great rewards — including travel rewards and loyalty programs such as Avios points program. Bank of Ireland also issues co-branded airline and university credit cards.
About Bank of Ireland: Bank of Ireland is one of the largest financial services in Ireland and regulated by the Central Bank of Ireland. It provides a broad range of banking and other financial services. Its retail segment provides day to day banking services and financial product including credit cards jto its consumer and business customers. Bank of Ireland also provides financial wellbeing programme tailored to meet its customers individual needs
List of Bank of Ireland Credit Cards
Personal Credit Cards
- Classic Credit Card: Best for Everyday Spending
- AER Credit Card: Best for Travel Rewards
- Platinum Advantage Card: Best for Overall Premium
- Affinity Credit Card: Best for Cobranded with Donations
- Student Credit Card: Best for Student Credit Cards
Business Credit Cards
- Business Credit Card: Best for Business Expenses
- Gold Business Credit Card: Best for Business Trips
Compare Bank of Ireland Credit Cards
A Closer Look into Bank of Ireland Credit Cards
Personal Credit Card
Classic Credit Card: Best for Everyday Spending
What we like about Classic Credit Card: The BOI Classic card is simple and valuable with its interest rate intro offers of 0% on all purchases for first 6 months or balance transfers for 7 months. You have a choice to either take zero interest on purchases or on balance transfers. Pick which ever one suits your needs.
Who should get a Classic Credit Card: Anyone with a credit card debt with high interest or planning to make a large purchase that may want not more than 6 months to pay it off.
Alternatives: Better alternatives are the An Post Classic Credit Card offers 0% fixed interest on balance transfers for first 12 months while An Post Flex Credit Card offers 0% fixed interest on purchases for first 9 months. This is because compared to BOI Classic Credit Card they both offers lengthier interest rate offers on balance transfers and purchases.
Read our full Bank of Ireland Classic Credit Card review
AER Credit Card: Best for Travel Rewards
What we like about AER Credit Card: It has all the features you’d need as a frequent flyer with Aer Lingus. Benefits include lounge passes, 2 free return flights to Europe, insurance protection for you and your family and Avios rewards.
Who should get an AER Credit Card: Both frequent and infrequent travellers who like travel perks with flexible redemption options.
Alternatives: For a business person who travels for work frequently best alternative is Gold Business Credit Card which gives you unlimited access to Aer Lingus Lounges, Priority Check-In & Fast track access to the security channel
Read our full Bank of Ireland AER Credit Card review
Platinum Advantage Card: Best for Overall Premium
What we like about Platinum Advantage Card: its Mastercard premium benefits and comprehensive multi-trip travel insurance with the option of having introductory offer of both 0% interest rate on purchases for 6 months, OR 0% interest rate on balance transfers for 7 months.
Who should get a Platinum Advantage Card: Both infrequent and frequent travellers and lovers of rewards
Alternatives: The AIB Platinum Visa Card has premium benefit with no annual fee. It is a good alternative to the platinum advantage credit card
Read our full Bank of Ireland Platinum Advantage Card review.
Affinity Credit Card: Best for Cobranded with Donations
What we like about Affinity Credit Card: Making donations to your college when you own a cardholder and additional payment of donation every year without affecting your budget. We also like 2.9% fixed interest on balance transfers for first 12 months.
Who should get an Affinity Credit Card: Graduates looking to support their old schools financially without breaking the bank.
Alternatives: The Avant Money One Credit Card has a no annual fee, but offers a 0% on purchases for 3 months and balance transfers for 9 months.
Student Credit Card: Best for Student Credit Cards
What we like about Student Credit Cards: Great student credit card for university and beyond. Very good perks to hold on to keep holding on to the card after graduation. It includes 0% interest rates on all purchases for first 6 months and free travel insurance.
Who should get a Bank of Ireland Student Credit Card: Definitely for student in a university and who will travel from time to time.
Alternatives: The AIB Student Credit Card has no annual fee, and offers a Introductory rate of 3.83% (variable) on purchases and balance transfers for the first 12 months. So will be great for students with existing debt balance.
Business Credit Card
Business Credit Card: Best for Business Expense
What we love about Business Credit Card: We love the comprehensive travel insurance. You get this for up to 3 colleagues are covered for 90 days of any journey when you pay for at least 50% of your fare with your credit card.
Who this card is good for: This credit card will be suitable for SMEs or any business that has business related expenses.
Alternatives: The Gold Business Credit Card is an alternative with its extra features and benefits.
Read our full Business Credit Card review.
Gold Business Credit Card: Best for Business Trips
What we love about Gold Business Credit Card: We love the Aer Lingus Lounges, Priority Check-In & Fast track access to the security channel
Who this card is good for: Frequent business travellers
Alternatives: The Business Credit Card has a lower annual fee.
Read our full Gold Business Credit Card review.
What are the benefits of Bank of Ireland Credit Cards?
Travel Rewards: If you are loyal to Aer Lingus, Bank of Ireland issues credit cards that earn rewards for Aer lingus.
Mastercard Priceless Offers: With a select Bank of Ireland credit cards, you can get access to exclusive experience and offers on Mastercard priceless anytime you use your credit cards
Instalment Payment: You are able to enjoy flexible ways to split large payments with a minimum of EUR 250 or more into equal monthly instalments with a low interest across up to 24 months. This service is is available on the Mastercard instalment service.
What are the credit limits of Bank of Ireland Credit Cards?
The credit limit you get depends on the type of Bank of Ireland credit card you apply for. For example the credit lime on a student credit card differs from a platinum card. Also 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.
What are the interest rates on Bank of Ireland Credit Card?
Bank of Ireland Credit card interest rates are variable, meaning they can change over time.
The interest stated above Interest is charged on cash advances and outstanding balances. Please note that purchase Interest is charged if you don’t pay your credit card in full by your due date.
How to qualify for Bank of Ireland Credit Card?
To apply for a Bank of Ireland credit card you must be 18 years of age or over. BOI has a strict lending criteria for Credit Card applications. Approvals are based on the criteria set out. Once approved for a credit card, terms and conditions will apply. Please ensure you familiarise yourself with these before you take the credit cards.
How we analysed Bank of Ireland Credit Cards?
We reviewed the entire Bank of Ireland credit card portfolio including their 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
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.