Do you need a credit card with no annual fee and the lowest APR in Ireland? Then the AIB CLICK Visa Credit Card might be what you are looking for. It offers you the freedom to do what you need to do when you need to do it.
The AIB CLICK Visa Credit Card puts you in control of your finance and gives you the capability to pay for unexpected purchases.
We’ve had a look at what the AIB CLICK Visa credit card offers, and for your convenience, we’ve summarized the information and share it with you in this article. Read on to learn more about this credit card, and how you can apply for it.
AIB CLICK Visa Credit Card Features
By using Google Pay and Apple Pay you can pay for your purchases under €50 quickly and securely. Some retailers will accept contactless payment also for transactions of more than €50.
If you also register for the AIB Everyday Rewards Programme you are eligible for seasonal cashback offers from some of Ireland’s top brands. When needed, you can request an increase of your credit limit online using AIB Internet Banking.
You can also use your AIB CLICK Visa credit card to withdraw cash at any ATM or bank that displays the Visa logo in Ireland and abroad.
With an AIB CLICK Visa credit card, you may spread your repayments. You have the freedom to decide how much you want to repay. The only condition is that you have to pay the minimum amount of 3% or €6.35, whichever is greater.
Pros and Cons of the AIB CLICK Visa Credit Card
Important pros are that there is no annual fee payable, you can have a free second card and you can spread your repayments. You can use your credit card contactless for payments when your transaction is less than €50.
Your monthly credit card statement can be accessed online from anywhere at any time. One of the greatest cons is that no balance transfers are allowed.
The AIB CLICK Visa credit card is also in principle only available to existing AIB customers who are registered users of AIB phone and internet systems.
If you are not an existing customer or don’t have AIB phone and internet access, you have to contact the bank to discuss your situation with a bank representative.
You have to be 18 years or older and earn a minimum annual income of €16,000. The AIB CLICK Visa Card is available to personal customers who are registered users of the AIB phone and internet system.
If you are not an existing customer or are not registered for the AIB phone and internet system, you still can apply by contacting the bank.
How to Apply for an AIB CLICK Visa Credit Card
If you are an existing AIB customer with internet banking you can apply via AIB’s online internet banking site. You can also visit your local branch and talk to a bank representative.
If you are not an existing AIB customer or an AIB customer without internet banking, you have to phone the bank at 1890 724 724, or request that a bank representative contact you by leaving a message on its “Call me back” site.
Interest Rates and Fees
The AIB CLICK Visa Credit Card is a great option if you are looking for a new credit card that has lots of benefits. Make sure to consider the rates and fees of this card, which are listed below.
- Purchase rates: 9.11% (variable)
- Cash advances rates: 19.68% (variable)
- APR Rate of Charge: APR 13.8% (variable)
- FX Transactions – Visa Europe Region: 1.75% of transaction value
- FX Transactions – Visa Rest of World: 2.75% of transaction value
- Government Stamp Duty: €30
- Cash advance fee: 1.5% of the transaction value or €1.90 whichever is greater
- Late payment fee: €7.00
- Over limit fee: €7.00
- Returned payment fee: €7.00
- Copy Sales Voucher Fee: €5.00
- Copy Statement Fee: €4.00
The Allied Irish Bank’s head office is located at Group Headquarters Bankcentre Dublin 4. The bank can be contacted by calling 011 353 1 771 2424.
Applying for an AIB CLICK Visa credit card is a recommendable card. It has no annual fee, and it offers the lowest APR in Ireland.
Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult bank’s terms and conditions before agreeing on anything.