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Which bank has the best credit card?

Looking into applying for a new credit card? In this article, we give you a quick and easy-to-understand run through of the features of 14 different credit cards available from a total of six different banks.

Finding the best credit card for your day-to-day purchase needs can be a difficult task - especially when you have to weigh up the pros and cons of each card from bank to bank such as APRs, annual interest on balance transfers, salary requirements and cashback rewards to name but a few!

In this article, we’ll cut right to the chase and compare each bank’s credit cards like-for-like so you can see which is going to be the most appropriate for you.

Let’s kick things off with AIB.

AIB

AIB offers a total of four different credit cards; the Click Visa card, the ‘be’ Visa/Mastercard, the Platinum Visa card and the Student Mastercard.

None of the cards require an annual bank fee but a Government stamp duty of €30 is charged annually per credit card account.

All cards offer up to 56 days interest-free credit if you pay your balance in full and on time each month you will avoid paying any interest.

Check out the rest of the features of each AIB card in the table below:

AIB Click Visa Card

AIB ‘be’ Visa/Mastercard

AIB Platinum Visa Card

AIB Student Mastercard

Typical APR

13.8%

22.9%

17.0%

20.5%

Introductory annual interest rate on purchases

No

3.83% for 12 months

3.83% for 12 months

3.83% for 12 months

Introductory annual interest rate on balance transfers

No

3.83% for 12 months.

16.79% Annual Rate.

3.83% for 12 months.

11.84% Annual Rate.

No

Salary Requirements

€16,000

€16,000

€40,000

n/a

Cashback Awards

No

No

Spend €5,000 - €50,000 in any 12 month period and get 0.5% back (maximum award for each 12 month period is €225)

No

Mobile Payments

Apple Pay

Google Pay

Apple Pay

Google Pay

Apple Pay

Google Pay

Apple Pay

Google Pay

AIB Everyday Rewards

Yes

Yes ('be' Visa only)

Yes

No

Key standout features:

  • AIB’s Platinum card offers one of the best cashback reward schemes of all cards listed in this article.
  • Though APRs for all but the Click card are relatively high, the introductory annual interest rate of 3.83% for 12 months on both the annual interest rate and the interest rate on balance transfers is compelling compared to special introductory interest discounts offered by other banks on the list.  

Bank of Ireland

Bank of Ireland offers a total of three credit cards; the Classic card, the Platinum Advantage card and the Student credit card.

Again, none of the cards require an annual bank fee but a Government stamp duty of €30 is charged annually per credit card account.

Use your personal Credit Card for purchases anywhere and earn Supervalu Real Rewards points. Simply link your Bank of Ireland personal credit card account and your Real Rewards card on boi.com/realrewards.

Add up to 3 additional cardholders and still pay government stamp duty only once.

As a Bank of Ireland MasterCard customer, you will get access to exclusive experiences, offers and benefits in Ireland or when exploring other destinations abroad with MasterCard Priceless Cities at www.priceless.com.

Check out the rest of the features of each Bank of Ireland card in the table below:

Bank of Ireland Classic

Bank of Ireland Platinum Advantage

Bank of Ireland Student Credit Card

Typical APR

22.1%

19.6%

20.2%

Introductory annual interest rate on purchases

0.0% for 6 months

16.12% Annual Rate.

0.0% for 6 months

13.79% Annual Rate.

0.0% for 6 months

14.54% Annual Rate.

Introductory annual interest rate on balance transfers

0.0% for 7 months.

16.12% Annual Rate.

0.0% for 7 months.

13.79% Annual Rate.



No

Salary Requirements

n/a

€40,000

n/a

Cashback

Awards

No

Free travel insurance

Free travel insurance

Mobile Payments

No

No

No

SuperValu Real Rewards points

Yes

Yes

Yes

Priceless Rewards

Yes

Yes

Yes

Key standout features:  

  • There is no minimum income requirement to get a Classic credit card.
  • Perk of free travel insurance is a nice sweetener for students looking for a competitive credit card.

KBC

KBC has a total of two different credit cards; the Cash Reward card and the Student credit card.

Avail of up to 56 days interest-free if the balance is paid on time and in full every month.

In addition to Apple Pay and Google Pay, Fitbit Pay is also available for Fitbit Ionic users.

When you spend, you get rewarded. With a KBC Credit Card, the bank will give you 1% cash back on grocery and online purchases made with the card, up to €10 a month.

Check out the rest of the features of each KBC card in the table below:   

KBC Cash Reward

KBC Student

Typical APR

13.8%

18.25%

Introductory annual interest rate on purchases

No

No

Introductory annual interest rate on balance transfers

0.0% for 6 months.

14% Annual Rate

0.0% for 6 months.

14% Annual Rate

Salary Requirements

€20,000

n/a

Cashback Awards

Get 1% cashback on grocery and online purchases made with the card, up to €10 a month.

Get 1% cashback on grocery and online purchases made with the card, up to €10 a month.

Mobile Payments

Apple Pay

Google Pay

Fitbit Pay

Garmin Pay

Apple Pay

Google Pay

Fitbit Pay

Garmin Pay

Priceless Rewards

Yes

No

Key standout features:  

  • With its 1% cash reward, you can save up to €120 a year on your purchases.
  • Get €30 Stamp Duty refunded to your Credit Card Account. This offer available to new & existing Extra Current account customers who apply and are approved for a KBC credit card between 23rd April and 30th June. You will be refunded with a lodgement of €30 to offset the Government Stamp Duty charge. T&C apply.

Ulster Bank

Ulster Bank has a total of three different credit cards; the Classic card, the Gold Mastercard and the Student Mastercard.

Add an additional cardholder and pay just one annual Government Stamp Duty fee.

No annual fees and €1,500 assumed credit limit.

Check out the rest of the features of each Ulster Bank card in the table below:

Ulster Bank Classic

Ulster Bank Gold Mastercard

Ulster Bank Student Mastercard

Typical APR

22.7%

19.2%

35.0%

Introductory annual interest rate on purchases

0.0% for 3 months

17.9% Annual Rate.

0.0% for 6 months 16.9% Annual Rate.

17.9% Annual Rate.

Introductory annual interest rate on balance transfers

3.9% for 12 months.

17.9% Annual Rate.

3.9% for 12 months.

16.9% Annual Rate.



17.9% Annual Rate.

Salary Requirements

n/a

€30,000

n/a

Cashback Awards

No

No

No

Mobile Payments

Apple Pay

Google Pay

Apple Pay

Google Pay

Apple Pay

Google Pay

Key standout features:

  • There is no minimum income requirement to get a Classic credit card.
  • Substantial 12-month long introductory discounted annual interest rate on balance transfers.  

Permanent TSB

Permanent TSB is the only one of Ireland’s five major banks to carry one credit card option only and it does not cater to students.

Flexibility to choose a monthly payment date for a time that suits you.

Check out the rest of the features of the Ice card in the table below:

Permanent TSB Ice

Typical APR

20.7%

Introductory annual interest rate on purchases

0.0% for 3 months

15.0% Annual Rate.

Introductory annual interest rate on balance transfers

0.0% for 6 months.

15.0% Annual Rate.

Salary Requirements

€20,000

Cashback Awards

No

Mobile Payments

No

Priceless Rewards

Yes

Key standout features:

  • No day-to-day transaction fees when you use your card to make purchases (fees will apply for the use of the card for the purposes of obtaining cash or cash substitute).

Avantcard

Avantcard is a credit card company based in Carrick on Shannon in County Leitrim. They offer one credit card, the features of which you can find below.

The company also recently acquired Tesco credit cards in Ireland. If you are a former Tesco credit card customer, if your account has not already been transferred over to Avantcard it will soon.

As an Avantcard MasterCard customer, you will get access to exclusive experiences, offers and benefits in Ireland or when exploring other destinations abroad with MasterCard Priceless Cities at www.priceless.com.

Check out the rest of the features of the Avantcard Mastercard in the table below:  

Avantcard Mastercard

Typical APR

20.9% (The APR rate applied is dependent upon your current credit history. For more information, see https://www.avantcard.ie/credit-card

Introductory annual interest rate on purchases

0.0% for 3 months

14.9% Annual Rate

Introductory annual interest rate on balance transfers

0.0% for 6 months.

16.8% Annual Rate.

Salary Requirements

€13,500

Cashback Awards

Yes (via Avantages rewards programme)

Mobile Payments

No

Priceless Rewards

Yes

Avantcard Avantages 

Avantages rewards programme offers competitions and 100s of discounts from select retailers.

Key standout features:

  • New Avantages programme offering hundreds of discounts, competitions and more.

That’s credit cards done, what about current accounts?

Though it’s often you hear the phrase “the banks are all the same” in Ireland - current accounts have actually been stepping up their game in the last year. Whether it’s offering contactless payment via Apple and Google Pay or letting you set up a new account via your phone in five minutes - banking is certainly getting some new life breathed into it.

Comparing current accounts is not something Irish banking customers do with any degree of regularity but it’s definitely something that we definitely should do! For instance, did you know that some banks charge as much as 35c per ATM withdrawal whereas others don’t charge anything? Find out how your bank measures up here.

Compare and switch

Remember you can compare and switch credit cards, current accounts and more any time using our comparison calculators.  


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