AIB Click Visa Card Review: Lowest APR in Ireland & Best For Credit Building
AIB Click Visa Card is great for low income earners and new credit builders. Helps you to be in control of your spending and gives you the flexibility of making large purchases.
Summary:
If you are the type that does not clear your outstanding credit card balance in full each month, then AIB CLICK Visa Card’s low APR is what you need to allow you the flexibility of paying off your bill with reduce interest over a number of months to suit your means..
Pros:
- No annual fees
- Good for low income
- Low annual interest rate of 9.11% (variable) on purchases
- Annual Percentage Rate (APR) 13.8% (variable)
Cons:
- No Special Rewards
- No Bonus Offers
AIB Click Visa Card
- Monthly Fee: €0
- Intro Offer: Low APR Card
- Interest Rate: 9.11% variable
- APR: 13.8% variable
- Currency Conversion Fee (POS/ATM): 1.75% (Europe) and 2.75% (other region)
- Stamp Duty: €30 annually
- Additional Card Fee: €0
- Late Payment Fee: €7
- Cash Advance Fee: 1.5%
AIB Click Visa Card Product Details
- Low annual interest rate of 9.11% (variable) on purchases
- Annual Percentage Rate (APR) 13.8% (variable), APR of 22.9% variable, which means when you use up a credit limit of €1500 and you payback equal amounts over a 12 month period with interest rate of 9.11%. Interest charged would be €44.02 and the total amount you pay back is €1574.02 including €30 stamp duty
- €0 annual fee only a €30 Government stamp duty charge
- Additional card holders get their Click card for Free
- Foreign transaction fees apply in both Euro region (1.75%) and non euro region (2.75%)
- View rates and fees
Compare Credit Cards
AIB Click Visa Card
Annual Fee
€0
Intro Offer: Continuous Low annual interest rate of 9.11% (variable) on purchases
APR: 13.8% Variable
Classic Credit Card
Annual Fee
€0
Intro Offer: 0% fixed interest on purchases for first 6 months or 0%fixed interest on balance transfers for first 7 months. Read Full Review
APR: 22.1% Variable
AIB Be Visa Card
Annual Fee
€0
Intro Offer: Enjoy a Lower Annual Interest Rate of 14.16% (variable) when you spend over €5,000 in a year. Read Full Review
APR: 22.9% Variable
What are the Benefits and Perks of AIB Click Visa Card?
Low annual interest rate of 9.11% (variable) on purchases
The AIB Click Visa Card offers low interest rate which gives the card holder a high level of flexibility and control you have over the amount of money you spend in a 12 month period and pay back including interest during the period. If you have unexpected large expenses or emergencies and can’t pay back the outstanding balance in full, the AIB Click Visa Card offers the lowest interest rate in Ireland and so it does not cost you so much interest to pay back. This credit card is our top pick for lowest APR in the market.
>> More: Best Rewards Card for Everyday Spending
Annual Percentage Rate (APR) 13.8% (variable)
The AIB Click Visa gives you an APR 13.8% variable. The card is great to transfer debt from a high interest card and keep your payment back low. This is helpful if you use planned make a huge purchase on your card and pay it off over time.
» MORE: Best 0% APR credit cards
You Might Want To Consider a Different Credit Card
More attractive rewards and offers exists elsewhere
Although the AIB Click Visa Card comes with no annual fee but there are no rewards attached to you. Consider Bank of Ireland Classic Credit Card which will offer you 0% intro APR on purchases for 6 months or 0% intro APR on balance transfers for 7 months and in addition you get to enjoy the Mastercard Priceless offers and discounts.
>>More: What to expect from Priceless
Foreign Transaction Fee
This card does not offer any travel perks and it charges a higher rate than a similar range card like Classic Credit Card offered by Bank of Ireland. Unlike AIB Click Visa Card you don’t get charged for foreign transactions in euro and get charged 2.25% for foreigh transactions in non – euro compared to 2.75% charged by AIB Click Visa Card.
See our Coins to Asset Best Credit Cards in Ireland reviews to compare with other cards.
Frequently Asked Question
Review Methodology
Coins to Asset reviews credit card across many the factors. We analysed popular 14 credit cards available in Ireland to come up with the best cards for you. We looked at fees, interest rates, rewards and cash backs including the ease of redeeming the rewards. We also considered the monetary value of the benefits and perks and the overall value add of the card to the cardholder. Part of our review includes ease of credit card application, the simple reward structure, attractiveness of the features, and whether the card suits everyday use or best reserved for specific purchases. We give star ratings serve as a general guide of our comparison but it is only a consideration when you are choosing a credit card not a rule. Learn how Coins to Asset Rates Credit Cards.
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.