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

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	9.2Excellent
Extras	5.2Standard
Overall Finder Score	5.6Standard

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 40

Product	Purchases	Annual/monthly fees	Representative APR	Incentive	Representative example
The Platinum Card® by American Express Finder Award	30.0%	£650 per annum	694.9% APR (variable)	New Cardmembers earn 50,000 Membership Rewards® points when you spend £6,000 in your first three months of Cardmembership. New Cardmembers only. Terms apply, 18+, subject to status.	Representative example: When you spend £1,200 at a purchase rate of 30.0% (variable) p.a. with a fee of £650 per annum, your representative rate is 694.9% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...
Yonder Full Membership Credit Card Mastercard Finder Award	29.64%	£15 per month	66.3% APR (variable)	Earn 5 point for every £1 spent and up to 25 points per £1 at partner locations and choose a dining, fitness or ticketed experiences in London, Manchester, Bristol or Bath. Travel experiences are available nationwide, or equivalent of 0.5% cashback.	Representative example: When you spend £1,200 at a purchase rate of 29.64% (variable) p.a. with a fee of £15 per month, your representative rate is 66.3% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...
HSBC Premier World Elite Credit Card	29.9%	£290 per annum	100.2% APR (variable)	2 points for every £1 spend in the UK. 4 points for every £1 spend outside the UK. 40,000 Anniversary Points Boost - qualifying spend £12K in 12 months from account opening. Points can be redeemed for airline frequent flyer miles, retail vouchers from selected stores and luxury wines and champagnes or can be used to make donations made to the charity of the customer's choice. 1 point = 1p (no min)	Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a. with a fee of £290 per annum, your representative rate is 100.2% APR (variable).	Read review Compare	loading Fetching your data...
British Airways American Express® Premium Plus Card Finder Award	30.0%	£300 per annum	137.8% APR (variable)	New Cardmembers collect 30,000 bonus Avios when you spend £6,000 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 30.0% (variable) p.a. with a fee of £300 per annum, your representative rate is 137.8% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...
Royal Bank of Scotland Reward Black Credit Card	21.9%	£84 per annum. Reward Black Current Account holders: £0 per annum	40.7% APR (variable)	Earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).	Read review Compare	loading Fetching your data...
NatWest Reward Black Credit Card	21.9%	£84 per annum. Reward Black Current Account holders: Year 2 onwards - £0 per annum	40.7% APR (variable)	You'll earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: Year 2 onwards - £0 per annum, your representative rate is 40.7% APR (variable).	Read review Compare	loading Fetching your data...
The Marriott Bonvoy American Express Card Finder Award	30%	£95 per annum	53.7% APR (variable)	Earn 60,000 bonus Marriott Bonvoy ® points when you spend £3,000 in the first three months of Cardmembership. Offer ends 15 July 2025. New Cardmembers only. Annual fee applies, 18+, subject to status. Terms apply.	Representative example: When you spend £1,200 at a purchase rate of 30% (variable) p.a. with a fee of £95 per annum, your representative rate is 53.7% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...
American Express® Preferred Rewards Gold Credit Card Finder Award	30%	Year 1 - £0, Year 2 onwards - £195 per annum	87.3% APR (variable)	New Cardmembers earn 20,000 Membership Rewards® points when you spend £3,000 in your first three months of Cardmembership. New Cardmembers only. Terms apply, 18+, subject to status.	Representative example: When you spend £1,200 at a purchase rate of 30% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £195 per annum, your representative rate is 87.3% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...

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 (£170.17), it'll cost you around £4.68 in fees.

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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Chris Lilly is Head of publishing at finder.com. 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 profile

Allied Irish Bank (GB) Visa Gold Card review