Bank of Ireland UK Queens Affinity Card review

Last updated:  

This card is no longer available, but you can use this page to compare alternatives.

As of June 2020, this card has been discontinued and is no longer available. However, this information has been kept for historical purposes. You can use this page to browse the range of credit cards currently available from other issuers.

Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).

17.9%

Representative APR

£0

Account fee

9 months

0% interest on balance transfers

3 months

0% interest on purchases

Details

IssuerBank of Ireland UK
NetworkMastercard
Rep. APR17.9% (variable)
Annual/monthly fees£0
Incentive on openingA one-off payment to Queens University Alumni plus percentage of annual turnover.
Purchases0% for 3 months reverting to 17.9%
Purchases interest-free period (days)56
Balance transfers0% for 9 months reverting to 17.9%

Expert review

Chris Lilly

Review by


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.

Expert review

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.

Compare popular rewards credit cards

Table: sorted by representative APR, promoted deals first
Data indicated here is updated daily
Name Product Purchases Annual/monthly fees Rep. APR Link Incentive Representative example
M&S Bank Transfer Plus Mastercard
0% for 6 months reverting to 19.9%
£0
19.9% (variable)
Check eligibility
More Info
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
M&S Bank Reward Plus Mastercard
0% for 6 months reverting to 19.9%
£0
19.9% (variable)
Check eligibility
More Info
Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
M&S Bank Shopping Plus Mastercard
0% for 20 months reverting to 19.9%
£0
19.9% (variable)
Check eligibility
More Info
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
American Express Platinum Cashback Everyday Card
22.2%
£0
22.2% (variable)
Go to site
More Info
New Cardmember offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
American Express Rewards Credit Card
22.2%
£0
22.2% (variable)
Go to site
More Info
As a new Cardmember, earn 5,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
British Airways American Express Card
22.2%
£0
22.2% (variable)
Go to site
More Info
New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership.
Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable).
loading

Compare up to 4 providers

Repayment options

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.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site