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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.

rewards, travelBest for 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 Customers who can reach €5,000 annual spend for the European return flights benefit
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Aer Credit Card

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

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Compare

Compare Cards

FieldAer Credit CardAIB Platinum Visa Card
Bank/providerBank of Ireland in partnership with Aer LingusAIB
Joining fee€6.50 monthly charge€0 annual bank fee
Renewal fee€78 annual charge, made up of 12 monthly charges of €6.50€0 annual bank fee
Best for
  • 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
  • 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
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
  • 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
  • Not available
  • Rewards are earned as Avios and travel benefits instead of 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
Lounge access
  • 2 Aer Lingus lounge passes at selected Irish airports every Reward Year
  • Lounge access is available when flying on an Aer Lingus operated flight
Not specified
Fuel surcharge waiverNot availableNot available
Welcome benefitNot specifiedSpecial introductory annual interest rate of 3.83% variable on purchases and balance transfers for the first 12 months
Annual fee waiver conditionNot specified
  • No annual bank fee
  • Government stamp duty of €30 is charged annually per credit card account
Eligibility
  • Resident of the Republic of Ireland
  • Applicant must be at least 18 years old
  • AerClub membership required to use and link travel rewards
  • Personal customer in Ireland
  • Minimum qualifying salary of €40,000
  • Applicant must be at least 18 years old
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