Bank of Ireland UK Queens Affinity Card review November 2019
Support Queen's University at no cost for you with this credit card.
0% interest on balance transfers
|Issuer||Bank of Ireland UK|
|Rep. APR||17.9% p.a. (variable)|
|Incentive on opening||A one-off payment to Queens University Alumni plus percentage of annual turnover.|
|Purchases||0% for 3 months reverting to 17.9%|
|Purchases interest-free period (days)||56|
|Balance transfers||0% for 9 months reverting to 17.9%|
Founded in 1845, Queen’s University in Belfast has around 18,000 students and is one of the most prestigious universities in Northern Ireland. If you are a Queen’s graduate who wants to support their old uni in a very practical way, this credit card may be what you’re looking for.
When your application is accepted, Bank of Ireland UK makes a one-off initial payment to Queen’s University, and every time you use the card a small percentage of your purchase is also donated to it. There’s no annual fee, so it won’t cost you a penny – provided that you use the card correctly and clear your balance in full every month, it’s all on Bank of Ireland UK.
If you do, you’ll also get a decent amount of flexibility with the repayments – up to 56 days of 0% interest on your purchases each billing cycle. That’s pretty good for those months when you incur a bunch of extra expenses, such as at Christmas time.
This card also comes with a good balance transfer deal – your balance won’t accrue interest for the first 9 months. However, it will initially cost you a 2.98% balance transfer fee, and you want to make sure to clear the balance by the end of the introductory period.
As this card is on the Mastercard network, it’s accepted in more than 40 million locations worldwide. You’ll also be able to enjoy access to Priceless Cities experiences.
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When it comes to repayments, you can make manual repayments online or over the phone (0800 085 0444), 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 Bank of Ireland UK Queens Affinity Card
If you’ve compared options and decided to give this card a go, you can apply online if you’re either resident in Northern Ireland or a Bank of Ireland UK customer. Otherwise, you’ll need to call the Contact Centre.
Be prepared to provide both your personal details (including three years of address history) and your financial details (information about your income and employment). If you have everything you need, the online application shouldn’t take more than 10-15 minutes.
Keep in mind that, when you complete the application, Bank of Ireland UK will run a credit check which will appear on your credit report and may impact your credit score if you’re not accepted.