Features & Benefits:

• Low annual interest rate of 9.11% (variable) on purchases (Fees, Charges and Important Information).

• Access your monthly credit card statement online by logging in to AIB Internet Banking (as you will not automatically receive paper statements through the post).

• Annual Percentage Rate (APR) 13.6% (variable)

  Representative Example: Assuming a credit limit on your card of �1,500, you used your full limit to make a single card purchase immediately after receiving your card, and you repaid in equal monthly payments over 12 months at an interest rate of 9.11% variable, (Representative 13.6% APR variable), the total amount you will pay back is �1,606.55 which includes Government stamp duty charge of �30.00. Interest charged would be �76.55.

• Minimum Qualifying Salary: �16,000

• No annual bank fee (Government stamp duty of �30.00 is charged annually per credit card account). Other fees and charges may apply (Fees, Charges and Important Information).

• Up to 56 days free credit

  If you clear your balance in full and on time each month, you can avoid paying interest.

• Spread your repayments

  With an AIB CLICK Visa Card, you decide how much you want to repay from the minimum amount (3% or �6.35, whichever is greater) to the full outstanding balance.

For the first 6 months from account opening there is 0% interest on purchases. Rate below is the interest on purchases thereafter. Rate indicated is based on the Gold Card product and is variable. 

• No transaction fees - when you use your card to make purchases*.
• Interest free credit - pay your bill in full and on time every month and don�t pay any interest (up to 56 days interest free credit on purchases). Great way to manage cash flow and budget as you can wait until the next pay day and then pay off the balance!**
• Low cost instalment option - spread the cost of larger purchases at a great low rate by taking advantage of our unique credit card Payment Plan. Click here for more information.
• No cash advance fee � when account is in credit.  Lodge funds to card before going on holidays and withdraw cash when abroad with no cash advance fee.  (Cross border handling fee will apply to non-euro transactions).
• Add up to three additional cardholders to your account and pay just one annual government stamp duty fee.
• Great introductory offers - If you don�t currently hold a credit card with Bank of Ireland, whether you have an account with us or not, and you qualify for a Classic Credit Card, you are eligible to take advantage of Introductory rates on either Purchases or a Balance Transfer.
• Emergency Cash � credit cards give you immediate access to funds, vital when something unexpected happens at home or abroad
• Protection � purchases made on a credit card are covered by chargeback rights which protect you in the event of loss or non-receipt of goods / services and in the event of fraudulent activity.
• 24 hour approval*** - and get your card within 1 week