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Allied Irish Bank (GB) Visa Gold Card review 2023

Existing customers willing to clear their balance in full every month could boost their spending power with this rewarding charge card.

Finder rating: ★★★★★

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By

Chris Lilly

Updated

Fact checked

£75

Yearly account fee

£5,000

Minimum credit limit

Details

IssuerAllied Irish Bank (GB)
NetworkVisa
Annual/monthly fees£75 per annum
PurchasesN/A (this product is a charge card).
Minimum credit limit£5,000
Maximum credit limitSubject to status
Additional cards available1
Lounge accessPriority Pass - access to over 600 executive airport lounges.

Review by

Chris Lilly is a publisher at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.

Expert review

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.

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Pros and cons

Pros

  • Airport lounge access

Cons

  • £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

Which lounges will I be able to access through the Priority Pass scheme?

Here’s a list of Priority Pass lounges around the world. You can search for the specific country or airport that you’re heading to.