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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

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Avant Money Everyday+ Credit Card is a cashback credit card in Ireland focused on everyday spending. It offers 5% cashback on groceries and fuel up to €25 per month for the first 12 months, 1% cashback on groceries after the first year, 0.1% cashback on other retail purchases, and Avant Money covers the annual government stamp duty.

  • 5% cashback on groceries and fuel up to €25 per month for the first 12 months
  • 1% cashback on grocery purchases after the first 12 months
  • 1% cashback on other eligible retail purchases

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€0 annual fee

Renewal fees

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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.

  • 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
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€6.50 monthly charge

Renewal fees

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  • €150 cashback credited to the card account
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€0 annual fee

Renewal fees

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  • Premium corporate credit card for Irish business travellers
  • Annual fee of €200 per card
  • Minimum card limit of €4,000

Joining fees

€200 annual fee per card

Renewal fees

€200 annual fee per card

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Bank of Ireland Business Credit Card is a business card for Irish sole traders, partnerships, and limited companies. It helps manage business expenses, supports up to 5 online-applied cards with a combined limit of up to €120,000, includes CardController spending controls, and provides comprehensive travel insurance when eligible travel is booked using the card.

  • Business credit card for everyday business spending
  • €31 annual fee per Standard card
  • Online application available for sole traders, partnerships, and limited companies

Joining fees

€31 annual fee per Standard card

Renewal fees

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Compare

Compare Cards

FieldAIB Platinum Visa CardAvant Money Everyday+ Credit Card
Bank/providerAIBAvant Money
Joining fee€0 annual bank fee€0 annual fee
Renewal fee€0 annual bank fee€0 annual fee
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 want cashback on groceries and fuel
  • Households with regular supermarket and petrol station spending
  • Customers who want everyday retail cashback outside grocery categories
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
  • 5% cashback on Groceries and fuel up to €25 per month for the first 12 months
  • 1% cashback on grocery purchases after the first 12 months
  • 0.1% cashback on all other eligible retail purchases
  • 0% interest on credit card balance transfers for 6 months
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
  • 5% cashback on Groceries and fuel up to €25 per month for the first 12 months
  • Up to €300 cashback in the first 12 months from the monthly cashback cap
  • 1% cashback on grocery purchases after the first 12 months
  • 1% cashback on all other eligible retail purchases
Lounge accessNot specifiedNot specified
Fuel surcharge waiverNot available5% cashback on eligible fuel spending up to the monthly cashback cap during the first 12 months
Welcome benefitSpecial introductory annual interest rate of 3.83% variable on purchases and balance transfers for the first 12 months
  • 5% cashback on groceries and fuel up to €25 per month for the first 12 months
  • 0% interest on credit card balance transfers for 6 months
Annual fee waiver condition
  • No annual bank fee
  • Government stamp duty of €30 is charged annually per credit card account
  • Avant Money covers the €30 annual government stamp duty
  • No annual card fee 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
  • Regular income and repayment capacity
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