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Why should I use bonkers.ie to compare credit cards?
Searching for the right credit card can be a daunting task, especially when there are so many different cards and introductory offers to choose from.
At bonkers.ie, we want to help you find the best credit card for you with the lowest interest rate. Our free and easy-to-use credit card comparison tool lets you compare card features, balance transfer options, and interest rates from Ireland’s main providers in seconds.
So if the thought of hunting for the best credit card on the market gives you a headache - rest easy. bonkers.ie will take care of the hard work for you and provide you with the most comprehensive credit card comparison in Ireland.
Our service is 100% impartial and accurate.
We simplify savings
Bonkers Money Limited, trading as bonkers.ie, is regulated by the Central Bank of Ireland.
How to compare credit cards?
Comparing credit card providers is easy with bonkers.ie. Just use our credit card comparison service to quickly compare the different interest rates, card features and balance transfer options from all of Ireland’s main providers and find the card that's right for you in just minutes.
What do I need to apply for a credit card?
Applying for a credit card is easy. However, you must meet certain criteria to avail of a credit card, such as:
- You must be over 18 years of age.
- You must have an annual income over a certain amount, usually in the region of at least €16,000. This will vary depending on the lender.
- You must have a good credit history, therefore not too many loans or debt.
During the application process, you may also need to provide proof of identification and proof of address.
What type of fees can I expect to pay on my credit card
There are certain charges you must pay if you have a credit card, including:
- An annual €30 Government stamp duty fee
- Typical APR (Annual Percentage Rate)
However, there are also other charges and interest fees you may be subject to, but these will depend on the lender and the credit card you choose. These charges may include:
- Interest rates on purchases
- Interest rates on balance transfers
- Exchange rate charges
- An annual fee
Can I avoid paying interest on my credit card?
Most credit cards providers give up to 56 days’ interest-free credit on purchases. This means you can avoid paying any interest if you pay off your balance in full and on time each month.
What happens if I don’t pay my credit card bill in full?
If you don’t pay off your balance in full each month you’ll be charged interest on the outstanding balance. The best way to use a credit card is to always pay your statement balance in full and on time each month, or at least pay off as much of what you owe as possible.