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Allied Irish Bank (NI) Credit Cards

3 CARDS

AIB (NI) is a leading bank in Northern Ireland offering a range of credit cards with options like cashback, student credit cards, and low-interest rates. It emphasises security and provides convenient account management through its mobile app and online banking.

AIB

Options 1

4.1

OUR RATING

Representative APR

18.9% APR (variable)

Purchases

17.44% (variable) p.a.

Balance Transfers

17.44% (variable) p.a. (1.50% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 17.44% (variable) p.a., most accepted customers get a rate of 18.9% APR (variable).

4.1

OUR RATING

Quick Look

The AIB Options 1 credit card features an easy cashback scheme, where customers must spend a minimum of £5,000 to earn the first £25 cashback. It also offers one of the few credit cards with low cash withdrawal charges of just 1.5%, making it suitable for users seeking rewards alongside cost-effective cash access.

Issuer AIB
Network Visa or Mastercard
Primary Category Cashback
Loyalty Scheme Cashback
Incentive on opening This cashback card has no annual fee and also comes with low cash withdrawal charges.
Cashback rate (if applicable) £1 is earned for every further £200 spent. There is a minimum requirement of 12 transactions per year. A maximum cap of £250 cashback is paid per year.
Account Fees £0
Purchases 17.44% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 17.44% (variable) p.a. (1.50% fee)
Balance Transfer Fee (%) 1.50%
Cash Advances 17.44% (variable) p.a. (fees apply)
Minimum Credit Limit £ 500.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

AIB

Options 2

3.1

OUR RATING

Representative APR

16.9% APR (variable)

Purchases

15.72% (variable) p.a.

Balance Transfers

15.72% (variable) p.a. (1.50% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 15.72% (variable) p.a., most accepted customers get a rate of 16.9% APR (variable).

3.1

OUR RATING

Quick Look

The AIB Options 2 credit card is a straightforward, no-frills option featuring a relatively low overall interest rate. It is also one of the few credit cards that offer low cash withdrawal charges of just 1.5%, making it suitable for cost-conscious users.

Issuer AIB
Network Visa or Mastercard
Primary Category Purchases
Loyalty Scheme
Incentive on opening None
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 15.72% (variable) p.a.
Purchases Interest Free Period 51 days
Balance Transfers 15.72% (variable) p.a. (1.50% fee)
Balance Transfer Fee (%) 1.50%
Cash Advances 15.72% (variable) p.a. (fees apply)
Minimum Credit Limit £ 500.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

AIB

Student Visa

4.0

OUR RATING

Representative APR

12.9% APR (variable)

Purchases

12.20% (variable) p.a.

Balance Transfers

Not Available

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 12.20% (variable) p.a., most accepted customers get a rate of 12.9% APR (variable).

4.0

OUR RATING

Quick Look

The AIB Student Visa credit card features a relatively low interest rate, making it a suitable option for students looking to manage their finances responsibly while building credit.

Issuer AIB
Network Visa
Primary Category Purchases
Loyalty Scheme
Incentive on opening None
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 12.20% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers Not Available
Balance Transfer Fee (%) 0.00%
Cash Advances 12.20% (variable) p.a. (fees apply)
Minimum Credit Limit £ 300.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Showing all 3 credit cards

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