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 49
Name Product 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).
Additional account needed
Santander Edge Credit Card Mastercard
23.9%
£3 per month
29.8% APR (variable)
Go to site
Limited time offer: Switch to Santander Edge or Edge Up current account and get £175 cash. Existing Santander Edge current account customers can also receive £18 for opening a Santander Edge credit card between 21 May and 2 July 2024. T&Cs apply.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).
Santander All in One Credit Card
0% for 15 months reverting to 23.9%
£3 per month
29.8% APR (variable)
Check eligibility
0.5% after £1 of monthly spend. Maximum of £10 cashback paid per month. Cashback paid monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).
British Airways American Express® Credit Card
31%
£0
31% APR (variable)
Check eligibility
Earn 5,000 points when you spend £1,000 within 3 months of account opening. Terms apply. UK 18+, subject to status. Earn 1 Avios for virtually every £1 spent.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
Amex® Cashback Everyday Credit Card
31%
£0
31% APR (variable)
Check eligibility
Welcome offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership. Terms and minimum spend 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).
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).
Amex® Cashback Credit Card
31%
Year 1 - £0, Year 2 onwards - £25 per annum
36.7% APR (variable)
Check eligibility
Limited time offer: Get 5%* cashback (up to £125) for the first 3 months of Cardmembership and the first year free* for new Cardmembers. Offer ends 2 July 2024. Terms apply.
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 - £25 per annum, your representative rate is 36.7% 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 (£169.06), it'll cost you around £4.65 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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