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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.
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.
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.
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.
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.
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.
Existing customers willing to clear their balance in full every month could boost their spending power with this rewarding charge card.
Find out how AIB’s straightforward credit card for existing customers holds up against some popular alternatives.
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