Allied Irish Bank (GB) Visa Gold Card review 2020
Existing customers willing to clear their balance in full every month could boost their spending power with this rewarding charge card.
Finder rating: ★★★★★
Doing its job: 3/5
In a nutshell:
Yearly account fee
Minimum credit limit
|Issuer||Allied Irish Bank (GB)|
|Annual/monthly fees||£75 per annum|
|Purchases||N/A (this product is a charge card).|
|Min credit limit||£5,000|
|Max credit limit||Not specified|
|Additional cards available||1|
|Lounge access||Priority Pass - access to over 600 executive airport lounges.|
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AIB’s Visa Gold Card is a charge card. That means you’re expected to clear your balance in full every month. As such, these cards don’t really charge interest, although there are fees to pay if you fail to clear your balance on time.
Provided you’re OK with that, plus the card’s £75 per annum fee, then this card could offer you payment flexibility (in other words you can buy something at the start of the month and pay for it at the end of the month) and the opportunity to enjoy a few attractive perks.
For frequent travellers, as a Visa Gold cardholder you’ll enjoy access to over 600 executive airport lounges, through the Priority Pass scheme.
All in all, this is an okay card, but for that annual fee, it could do with some more perks. Other “gold” cards, designed for consumers that can qualify for high credit limits, offer a wider range of rewards.
AIB cards are offered on the Visa network, so they’re accepted at over 20 million locations worldwide.
Pros and cons
- Airport lounge access
- £75 annual account fee
- Applicants with low credit scores are unlikely to be eligible
- Each additional card incurs a fee (£35)
- Only available to existing customers
- You may be offered an opening credit limit as low as £5,000
How does this card compare with other rewards cards on the market?
How to apply for the AIB Visa Gold Card
If you’ve compared your options and wish to apply for an AIB card, you’ll need to head to a branch or phone AIB on +44 (0)345 600 5204.