Compare Allied Irish Bank (GB) credit cards

If you're an existing AIB customer, see if you could boost your spending power with a Visa credit card from AIB's select range. Rates starting from 24.3%.

No reviews yet. Write a review

Compare AIB credit cards

Table: sorted by representative APR, promoted deals first
1 - 4 of 4
Name Product Finder Score Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
Allied Irish Bank (GB) Classic Credit Card Visa
(1.5% fee)
£8 per annum
24.3% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 20.64% (variable) p.a. with a fee of £8 per annum, your representative rate is 24.3% APR (variable).
Allied Irish Bank (GB) Visa Gold Card
N/A (this product is a charge card).
£75 per annum
N/A (this product is a charge card).

AIB Visa Business Card
N/A (this product is a charge card).
£15 per annum, plus £10 joining fee
N/A (this product is a charge card).
Representative 4.0% APR (variable). £15 annual fee per card, and a £10 joining fee.
AIB Visa Business Gold Card
N/A (this product is a charge card).
£50 per annum, plus £25 joining fee
N/A (this product is a charge card).
AA Membership
Representative 4.0% APR (variable). £50 annual fee per card, and a £25 joining fee.

Approval for any credit card depends on your status. The representative APRs shown represent 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. Most of the data in Finder's comparison tables is provided by Moneyfacts.

What is Allied Irish Bank?

A subsidiary of Allied Irish Banks, AIB (GB) is perhaps better known in Britain for its business cards. However, it also offers both charge cards and traditional credit cards for personal use.

Key features and benefits

  • Available to existing AIB customers. You’ll need to be with AIB already to apply for a credit card. You’ll also need to be over 18 and have a regular income.
  • Annual fees. AIB cards tend to come with an annual fee attached, so you should weigh up whether or not this is worth shouldering. If the perks you’d enjoy through using a particular card outweigh the cost of fees, then great, but if they don’t, you could probably find a better deal by shopping around.
  • Introductory interest rates. Many AIB credit cards feature lower interest rates on purchases and/or balance transfers for the first 12 months.
  • Interest-free days. If you clear your balance in full each month, you won’t pay interest on your spending.
  • Emergency cash service (fees and charges may apply). If your card is lost or stolen abroad, AIB provides an emergency cash service (up to US$5,000, subject to your available credit limit) which you can request through its telephone support 24 hours a day, 7 days a week.

Being on the Visa network, AIB cards are accepted at tens of millions of locations worldwide, so you can use them for pretty much anything you want. If you need cash on the go, then with a Visa card you’ll be able to access cash from 1.9 million ATMs in more than 200 countries and territories worldwide, just remember that credit cards aren’t great for withdrawing cash (or getting cashback at merchants) and you’ll normally incur a cash advance fee for the privilege.

What's the difference between a charge card and regular credit card?

With a charge card, you’re expected to clear your balance in full every month. As such, these cards don’t charge interest, although there are usually harsh fees if you fail to clear your balance. The benefits of charge cards include flexibility over payments (purchases at the start of the billing cycle are paid for at the end of the billing cycle) and in some cases, rewards on your spending. Charge cards can come with a monthly or annual fee attached and do not usually offer purchase protection under section 75 of the Consumer Credit Act.

How do I apply?

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.

AIB customer reviews

Allied Irish Bank has received poor reviews overall from customers, according to review platform Trustpilot. It currently has a rating of 1.3 out of 5, based on more than 630 reviews (updated November 2023). Some customers reported issues with their card being unexpectedly blocked or other problems when using their card.

Frequently asked questions

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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Chris Lilly's headshot
Written by

Head of publishing

Chris Lilly is Head of publishing at 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. See full bio

Chris's expertise
Chris has written 612 Finder guides across topics including:
  • Loans & credit cards
  • Building credit
  • Financial health

More guides on Finder

Go to site