In this guide

  • Our verdict
  • Details
    • Product overview
    • Fees and charges
    • Application requirements
  • Your reviews

Allied Irish Bank (GB) Visa Gold Card review

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Allied Irish Bank (GB) Visa Gold Card
2.5
★★★★★
Finder score
Minimum credit limit
£5,000

Our verdict

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

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.

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

In this guide

  • Our verdict
  • Details
    • Product overview
    • Fees and charges
    • Application requirements
  • Your reviews

Details

Product overview

Issuer Allied Irish Bank (GB)
Network Visa
Annual/monthly fees £75 per annum
Purchases N/A (this product is a charge card).
Minimum credit limit £5,000
Maximum credit limit Subject to status
Additional cards available 1
Lounge access Priority Pass - access to over 600 executive airport lounges.
Potential costs 1.5 ★★★★★
Doing its job 2.5 ★★★★★
Extras 3.5 ★★★★★
Overall Finder Score 2.5 ★★★★★

Fees and charges

Minimum monthly payment Full outstanding balance
Annual/monthly fees £75 per annum
Foreign usage charge (EU) 2.75%
Foreign usage charge (rest of world) 2.75%
Cash advance fee 1.5% (min. £3)
Late payment fee £12
Duplicate statement fee £10
Exceeding limit fee £12
Additional card fee £35
Dormancy fee £0

Application requirements

Minimum Age 18
Availability Available to existing customers

How does this card compare with other rewards cards on the market?

Table: sorted by representative APR, promoted deals first
1 - 8 of 35
Name Product UKCCF Purchases Annual/monthly fees Representative APR Link Incentive Representative example
M&S Bank Credit Card Transfer Plus Offer Mastercard
0% for 3 months reverting to 24.9%
£0
24.9% APR (variable)
Check eligibility
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
M&S Bank Credit Card Purchase Plus Offer Mastercard
0% for 20 months reverting to 24.9%
£0
24.9% APR (variable)
Check eligibility
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
John Lewis Partnership Credit Card
28.94%
£0
28.9% APR (variable)
Check eligibility
Earn 2.5% back as points towards gift vouchers on eligible spend at John Lewis and Waitrose in the first 60 days from account opening. Earn 5 points for every £4 spent on eligible purchases at John Lewis and Waitrose and 1 point for every £4 spent elsewhere. 1 point = 1p (min 500pts)
Representative example: When you spend £1,200 at a purchase rate of 28.94% (variable) p.a., your representative rate is 28.9% APR (variable).
American Express® Rewards Credit Card
31%
£0
31% APR (variable)
Check eligibility
Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn up to 90,000 bonus points per year through refer a friend, 4,000 points awarded for every friend approved. 1 point = 0.45p (min 1,000 points) to shop, other rewards have differing conversions.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
British Airways American Express® Credit Card
31%
£0
31% APR (variable)
Check eligibility
New Cardmembers collect 5,000 bonus Avios when you spend £2,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
Yonder 'No Fee' Credit Card
32.9%
£0
32.9% APR (variable)
Check eligibility
Representative example: When you spend £1,200 at a purchase rate of 32.9% (variable) p.a., your representative rate is 32.9% APR (variable).
Nectar Credit Card
Finder Award
Nectar Credit Card
31%
Year 1 - £0, Year 2 onwards - £30 per annum
37.8% APR (variable)
Check eligibility
New welcome offer: Earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months. Earn a minimum of 3 Nectar points for virtually every £1 spent at Nectar partners, and 2 Nectar points for virtually every £1 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £30 per annum, your representative rate is 37.8% APR (variable).
The Marriott Bonvoy American Express Card
31%
£95 per annum
54.8% APR (variable)
Check eligibility
Earn 20,000 bonus Marriott Bonvoy ® points when you spend £3,000 in the first 3 months of Cardmembership. 18+, subject to status. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of £95 per annum, your representative rate is 54.8% APR (variable).
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How to apply for the AIB Visa Gold Card

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 0345 600 5204.

Frequently asked questions

What credit limit will I get with the Allied Irish Bank (GB) Visa Gold Card?

If Allied Irish Bank (GB) offers you this deal, it will specify a personalised credit limit based on Allied Irish Bank (GB)'s assessment of your situation. The minimum limit offered on this card is £5,000, and Allied Irish Bank (GB) does not specify a maximum. Once you've had the card for a while and shown Allied Irish Bank (GB) you're reliable, you may wish to apply for a credit limit increase.

How much does it cost to use the Allied Irish Bank (GB) Visa Gold Card abroad?

Non-sterling transactions are subject to a 2.75% charge. For example, if you spend 200 euros (£167.15), it'll cost you around £4.60 in fees.

Finder credit card scores

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Our experts score rewards credit cards to determine their value against similar products on the market. We look at a number of important factors, like welcome bonuses, introductory and ongoing earn-rates, any caps or restrictions on the points you can earn, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

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.

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