Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.
Allied Irish Bank (GB) Visa Classic Credit Card review 2020
A straightforward credit card for existing AIB customers.
Finder rating: ★★★★★
Doing its job: 2.5/5
In a nutshell:
Yearly account fee
Up to 56 days
Interest-free each billing period
Minimum credit limit
|Issuer||Allied Irish Bank (GB)|
|Annual/monthly fees||£8 per annum|
|Balance transfer fee||1.5%|
|Purchases interest-free period||Up to 56 days|
|Min credit limit||£500|
|Max credit limit||Not specified|
|Additional cards available||1|
Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.
This credit card is as straightforward as it gets: it does the job, but doesn’t offer anything more than that. It’s only available to existing AIB customers.
If you don’t plan to carry a balance from month to month, then you’ll get up to 56 days of 0% interest on your purchases each billing cycle, which really is the main pro of this card. That’s in return for an account fee of £8 per annum.
Apart from keeping accounts “under one roof”, there’s little to encourage you to choose this card over others available on the market. Fees are very average, interest rates on purchases and balance transfers aren’t competitive and there are no perks or rewards to make the rest a bit more attractive.
Finally, AIB cards are offered on the Visa network, so they’re accepted at over 20 million locations worldwide.
Pros and cons
- £8 annual account fee
- Applicants with low credit scores are unlikely to be eligible
- Only available to existing customers
How does this card compare with other frequent flyer cards?
When it comes to repayments, you can make manual repayments online or over the phone (0345 600 5204), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.
Choose from the following direct debit options for your monthly repayments:
|Minimum amount||Fixed amount||Fixed percentage||Full amount|
How to apply for the Virgin Atlantic Reward Credit Card
If you’ve compared cards and want to apply, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.
Frequently asked questions
What is the Virgin Atlantic Flying Club?
How are Flying Club miles earned?
What’s a good alternative?
What will my credit limit be?