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Intro Rate Cards

A card with a 0% introductory rate will allow you to make interest free purchases for a specified period. If you are going to use the card regularly, make sure you go for a card with the longest possible 0% period. Keep in mind that you will be charged interest after the initial 0% introductory rate period.

To take advantage of this type of card to pay for one-off purchases, treat the card as if it were a loan. Divide the balance on the card by the number of months the deal lasts, and then set up a standing order to pay this amount each month. If you can’t manage this, pay as much as you can then balance transfer to another card before the deal ends.

If you know your credit rating, select it by hovering your mouse over the panel to the right and clicking on the appropriate rating. If you don’t know your credit rating, click the button to calculate it for free. This will match up your rating with lender appetite to give you the best chance of success with your application.

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Bank of Ireland Platinum Advantage credit card - 17.3% APR Representative Variable

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Find out more & apply online now
  • Annual Fee of €76
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 7m (no fee)
  • Free comprehensive multi-trip travel insurance
  • Choose between purchase or balance transfer offer

The premium card offering from the Bank of Ireland comes with an annual fee of €76.18 and you will need to have a good credit history and high income to qualify. You will usually get a sizable credit limit, although the amount will depend on your earnings and other credit that you hold. The interest rate on this card is fairly good and comes with a choice of purchase or balance transfer offer. Bank of Ireland is the biggest account and credit card provider in the State.

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Bank of Ireland Platinum Advantage credit card REPRESENTATIVE EXAMPLE

17.3% Typical APR based on purchases of €1,500 and includes the government imposed stamp duty (currently charged at €30 per year).

Bank of Ireland Student credit card - 20.2% APR Representative Variable

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Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 6m at 0%
  • No Balance Transfer Offer
  • Great purchase rate offer - 0% for 6 months

The Bank of Ireland offer the lowest APR of all the student credit cards but the money transfer rate is a whopping 26%. Don’t use for this purpose unless absolutely necessary, as a student overdraft will be much cheaper. You do get 0% on purchases for 6 months, so if you are making any big one off purchases, it gives you some time to clear the balance at no cost. Bank of Ireland is the top of the pile in terms of customer base in the State, and with solid credit card offerings, it is easy to see why.

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Bank of Ireland Student credit card REPRESENTATIVE EXAMPLE

20.2% Typical APR based on purchases of €1,500 and includes the government imposed stamp duty (currently charged at €30 per year).

Ulster Bank Classic MasterCard - 22.7% APR Representative Variable

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Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 3m at 0%
  • Balance Transfers at 3.9% for 1yr (no fee)

The Ulster Classic card has one of the highest interest rates of all mainstream credit cards in Ireland. The main reason for this is that Ulster are willing to take on higher risk applicants with this particular card, meaning that you could be accepted with little or poor credit history. You don’t get a bad deal either, with an interest free period of 3 months on all purchases and a low rate balance transfer offer which is better than most mainstream cards. This card is suitable for those who need to build their credit rating, or who may have had some issues repaying debts on time in the past.

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Ulster Bank Classic MasterCard REPRESENTATIVE EXAMPLE

22.7% Typical APR based on purchases of €1,500 and includes the government imposed stamp duty (currently charged at €30 per year).

Bank of Ireland Aer Lingus Credit Card - 26.6% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 7m (no fee)
  • Choose between 0% purchase offer OR 0% balance transfer offer
  • Monthly account fee of €7.99

Bank of Ireland have teamed up with Aer Lingus to offer the Aer Credit Card packed with a host of smart travel rewards. You’ll benefit from 2 Free Return Fares, 2 Fast Track and Priority Boarding Passes, 2 Lounge Passes and Worldwide Multi Trip Travel Insurance. As an introductory offer you will pay 0% interest on purchases for first 6 months OR 0% interest on balance transfers for first 7 months. Add up to 3 additional cardholders to enjoy these benefits.

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Bank of Ireland Aer Lingus Credit Card REPRESENTATIVE EXAMPLE

26.6% Typical APR based on purchases of €1,500 and includes the government imposed stamp duty (currently charged at €30 per year). Monthly Account Fee of €7.99

Bank of Ireland Classic credit card - 22.1% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 6m at 0%
  • Balance Transfers at 0% for 7m (no fee)
  • Exclusive offers and experiences
  • Choose between purchase or balance transfer offer

With this Classic card from the Bank of Ireland, you can choose between 0% on balance transfers for 7 months, or 0% on purchases for 6 months. There are no transaction fees when using the card to pay for goods and services and you will also benefit from paying no annual fee. Bank of Ireland is one of the biggest credit card providers in the state and have different cards pitched at people with a range of credit ratings and income levels. They also rate fairly well in terms of customer service and have the largest branch network of any bank.

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Bank of Ireland Classic credit card REPRESENTATIVE EXAMPLE

22.1% Typical APR based on purchases of €1,500 and includes the government imposed stamp duty (currently charged at €30 per year).

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