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AIB

AIB Platinum Visa Card

AIB Platinum Visa Card is a cashback-focused Visa credit card for personal customers in Ireland. It offers 0.5% cash back on eligible annual purchase spend over €5,000 and up to €50,000, with a maximum cashback award of €225 per 12-month period, plus Visa Luxury Hotel Collection benefits and up to 56 days interest-free credit.

cashback, rewards, travelBest for Irish customers who want ongoing cashback on card purchases Customers spending more than €5,000 per year on eligible purchases Customers who clear their balance in full and want up to 56 days interest-free credit Customers who value Visa Luxury Hotel Collection travel benefits
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AIB Platinum Visa Card

Highlights

Main benefits

  • 5% cash back on eligible annual purchase spend over €5,000 and up to €50,000
  • Maximum cashback award of €225 per 12-month period
  • No annual bank fee
  • Government stamp duty of €30 is charged annually per credit card account
  • Up to 56 days interest-free credit when paid in full and on time
  • Special introductory annual interest rate of 3.83% variable for the first 12 months
  • Representative APR of 17.0% variable
  • Annual purchase interest rate of 11.84% variable
  • Visa Luxury Hotel Collection benefits included
  • Contactless payments, Apple Pay, and Google Pay supported

Fees

Fees and charges

Joining fee

€0 annual bank fee

Renewal fee

€0 annual bank fee

Annual fee waiver

No annual bank fee

Government stamp duty of €30 is charged annually per credit card account

Who can apply

Eligibility

  • Personal customer in Ireland
  • Minimum qualifying salary of €40,000
  • Applicant must be at least 18 years old
  • Subject to AIB lending criteria, repayment capacity, and financial status
  • Existing AIB customers can apply through Internet Banking or the AIB Mobile App

Checklist

Documents required

  • Valid proof of identity such as passport, driver’s licence, or EU national identity card
  • Proof of current permanent address dated within the last 6 months
  • Document showing PPSN or Tax Registration Number
  • Last three months’ bank statements showing salary or income
  • Last three months’ payslips for PAYE applicants where required
  • Most recent Notice of Assessment, accountant confirmation of income, or financial statements for self-employed applicants
  • Last three months’ credit card statements if the applicant already has a credit card with another institution

Process

How to apply

1. Visit the AIB Platinum Visa Card product page

2. Existing AIB customers can apply through AIB Internet Banking or the AIB Mobile App

3. Non-AIB customers can call AIB, request a callback, or visit a local AIB branch

4. Provide identity, address, PPSN, income, and banking documents

5. Complete AIB’s credit approval process and activate the card after approval

Value

Reward and cashback structure

Reward rate

0.5% cash back on eligible annual purchase spend over €5,000 and up to €50,000

Maximum cashback award of €225 per 12-month period

Up to 56 days interest-free credit when the balance is cleared in full and on time

Visa Luxury Hotel Collection benefits on eligible hotel bookings

Cashback

5% cash back on eligible annual purchase spend over €5,000 and up to €50,000

Maximum cashback award of €225 per 12-month period

Cash Back Awards are calculated monthly and credited to the card account statement

Good fit

Pros

  • Strong ongoing cashback option for Ireland
  • Clear 0.5% cashback structure with a defined annual cap
  • No annual bank fee
  • Good for customers who spend more than €5,000 per year
  • Includes Visa Luxury Hotel Collection benefits
  • Supports contactless payments and mobile wallets
  • Backed by a major Irish bank

Watchouts

Cons

  • Cashback starts only after eligible annual spend exceeds €5,000
  • Maximum cashback award is capped at €225 per 12-month period
  • Government stamp duty of €30 applies annually
  • Minimum qualifying salary is €40,000
  • Lounge access is not specified
  • Fuel surcharge waiver is not available

Apply for this card

Apply now or check the details from bank source.

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Compare

Compare Cards

FieldAIB Platinum Visa CardAer Credit Card
Bank/providerAIBBank of Ireland in partnership with Aer Lingus
Joining fee€0 annual bank fee€6.50 monthly charge
Renewal fee€0 annual bank fee€78 annual charge, made up of 12 monthly charges of €6.50
Best for
  • Irish customers who want ongoing cashback on card purchases
  • Customers spending more than €5,000 per year on eligible purchases
  • Customers who clear their balance in full and want up to 56 days interest-free credit
  • Irish customers who regularly travel with Aer Lingus
  • AerClub members who want to earn Avios from card spending
  • Customers who can use lounge passes, fast track, priority boarding, and travel insurance
Reward rate
  • 0.5% cash back on eligible annual purchase spend over €5,000 and up to €50,000
  • Maximum cashback award of €225 per 12-month period
  • Up to 56 days interest-free credit when the balance is cleared in full and on time
  • Visa Luxury Hotel Collection benefits on eligible hotel bookings
  • 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
Cashback
  • 5% cash back on eligible annual purchase spend over €5,000 and up to €50,000
  • Maximum cashback award of €225 per 12-month period
  • Cash Back Awards are calculated monthly and credited to the card account statement
  • Not available
  • Rewards are earned as Avios and travel benefits instead of cashback
Lounge accessNot specified
  • 2 Aer Lingus lounge passes at selected Irish airports every Reward Year
  • Lounge access is available when flying on an Aer Lingus operated flight
Fuel surcharge waiverNot availableNot available
Welcome benefitSpecial introductory annual interest rate of 3.83% variable on purchases and balance transfers for the first 12 monthsNot specified
Annual fee waiver condition
  • No annual bank fee
  • Government stamp duty of €30 is charged annually per credit card account
Not specified
Eligibility
  • Personal customer in Ireland
  • Minimum qualifying salary of €40,000
  • Applicant must be at least 18 years old
  • Resident of the Republic of Ireland
  • Applicant must be at least 18 years old
  • AerClub membership required to use and link travel rewards
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