Bank of Ireland in partnership with Aer Lingus
Aer Credit Card
Aer Credit Card is an Ireland travel rewards credit card from Bank of Ireland in partnership with Aer Lingus. It earns Avios on everyday and Aer Lingus spending and includes annual travel benefits such as 2 European return flights after qualifying spend, 2 lounge passes, 2 fast track and priority boarding passes, and worldwide family multi-trip travel insurance.
Highlights
Main benefits
- Earn 1 Avios for every €1 spent on Aer Lingus products and services
- Earn 1 Avios for every €4 spent on all other eligible transactions
- 2 European return flights after spending €5,000 or more within a Reward Year
- 2 Aer Lingus lounge passes every Reward Year
- 2 fast track and priority boarding passes every Reward Year
- Worldwide family multi-trip travel insurance included
- Annual charge of €78, made up of 12 monthly charges of €6.50
- Representative APR of 22.7% variable including annual Government Stamp Duty of €30 and annual charge of €78
- Standard purchase interest rate of 14% variable
- Travel rewards package valued at over €400 by Bank of Ireland
Fees
Fees and charges
Joining fee
€6.50 monthly charge
Renewal fee
€78 annual charge, made up of 12 monthly charges of €6.50
Annual fee waiver
Not specified
Who can apply
Eligibility
- Resident of the Republic of Ireland
- Applicant must be at least 18 years old
- AerClub membership required to use and link travel rewards
- Subject to Bank of Ireland lending criteria and credit approval
- Suitable repayment capacity and financial status required
Checklist
Documents required
- Proof of identity
- Proof of address
- PPSN or Irish tax identification details
- Income and employment details
- Bank account details
- Additional documents requested by Bank of Ireland during application review
Process
How to apply
1. Visit the Bank of Ireland Aer Credit Card product page
2. Review the travel rewards, monthly charge, Avios earning, and eligibility details
3. Join AerClub or use your existing AerClub membership details
4. Start the online Aer Credit Card application
5. Enter your personal, income, banking, and AerClub details
6. Complete Bank of Ireland’s credit approval process and link the card to your AerClub profile after approval
Value
Reward and cashback structure
Reward rate
1 Avios for every €1 spent on Aer Lingus products and services
1 Avios for every €4 spent on all other eligible transactions
2 European return flights after spending €5,000 or more within a Reward Year
2 Aer Lingus lounge passes every Reward Year
2 fast track and priority boarding passes every Reward Year
Worldwide family multi-trip travel insurance included
Cashback
Not available
Rewards are earned as Avios and travel benefits instead of cashback
Good fit
Pros
- Strong travel rewards package for Aer Lingus flyers
- Earns Avios on everyday spending and Aer Lingus purchases
- Includes 2 lounge passes every Reward Year
- Includes 2 fast track and priority boarding passes every Reward Year
- Includes worldwide family multi-trip travel insurance
- European return flights benefit can be valuable for frequent travellers
- Backed by Bank of Ireland and Aer Lingus AerClub
Watchouts
Cons
- Not a cashback card
- Annual charge applies through monthly payments
- European return flights require €5,000 qualifying spend in a Reward Year
- Taxes, fees, and charges apply to the European return flights benefit
- Best value is mainly for Aer Lingus and AerClub users
- Lounge access is limited to selected Irish airports and Aer Lingus operated flights
- Credit approval is required
Related
Related cards
Compare
Compare Cards
| Field | Aer Credit Card | Avant Money Reward+ Credit Card |
|---|---|---|
| Bank/provider | Bank of Ireland in partnership with Aer Lingus | Avant Money |
| Joining fee | €6.50 monthly charge | €0 annual fee |
| Renewal fee | €78 annual charge, made up of 12 monthly charges of €6.50 | €0 annual fee |
| Best for |
|
|
| Reward rate |
|
|
| Cashback |
|
|
| Lounge access |
| Not specified |
| Fuel surcharge waiver | Not available | Not available |
| Welcome benefit | Not specified |
|
| Annual fee waiver condition | Not specified |
|
| Eligibility |
|
|
| Apply link | Apply Now | Apply Now |
Community Reviews
Reviews (0)
Add Your Review
Rating
800 characters left
Loading reviews...