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

Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.

Our Verdict

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.

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

Product Features & Benefits

Issuer	AIB
Network	Visa or Mastercard
Primary Category	Purchases
Loyalty Scheme
Incentive on opening	None
Cashback/Rewards (if applicable)	No cashback scheme
Account Fee	£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

Fees & Charges

Account Fee	£0
Late Payment	£ 12
Returned Payment	£ 12
Exceed Limit	£ 12
Duplicate Statement	£ 10
Replacement Card	£ 0
Trace Fee	£ 0
Cash Withdrawal Fee	1.50%
Cash Withdrawal Minimum Charge	£ 3
Foreign Usage EU	2.75%
Foreign Usage World	2.75%