Compare AIB credit cards (formerly First Trust Bank) June 2023

Compare AIB cards

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Name	Product	Ratings	Customer rating	Finder rating	Purchases	Balance transfers	Annual/monthly fees	Representative APR	Incentive	Link
AIB Student Credit Card		Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	12.9%	N/A	£0	12.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).	Read review	Compare	loading Fetching your data...
AIB Options 2 Credit Card		Not yet rated	Not yet rated	Not yet rated	16.9%	16.9% (1.5% fee)	£0	16.9% APR (variable)	Option 1 is also available & customers can switch between the options even if the outstanding balance is not cleared in full each month. Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a., your representative rate is 16.9% APR (variable).	Read review	Compare	loading Fetching your data...
AIB Options 1 Credit Card		Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis	18.9%	18.9% (1.5% fee)	£0	18.9% APR (variable)	0.5% after £5000 of yearly spend. Minimum of 12 transactions per year required. Maximum of £250 cashback paid per year. Cashback paid Anniversary into Card Account. For initial £5K a £25 cashback is paid, plus an additional £1 for every further £200 spent. Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Read review	Compare	loading Fetching your data...
AIB Gold Charge		Finder score ★★★★★	Not yet rated	★★★★★ Expert analysis		N/A	£0	N/A (this product is a charge card).		Read review	Compare	loading Fetching your data...

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What is AIB?

AIB Group is a commercial banking group in Northern Ireland. As such, it forms part of one of the “Big Four” banks in Northern Ireland. First Trust Bank was formed in 1991 when TSB Northern Ireland merged with AIB Group’s other interests, then in 2019 it made the switch to simply “AIB”.

Its credit cards are issued on the Visa or Mastercard networks (you can decide which you’d rather), meaning they’re accepted pretty much everywhere that takes plastic. For most of us, either network is perfectly fine, but you can read up on some of the differences between the biggest card networks.

Types of AIB credit cards

AIB offers a range of credit cards designed to suit a range of purposes.

• Cashback cards. If you don’t anticipate carrying a balance from month to month, you could benefit from cashback on all purchases combined with interest-free days each billing cycle, meaning your credit card could earn rather than cost you money.
  Compare cashback credit cards
• Low rate cards. For those who aren’t impressed by 0% periods that expire only to be replaced with punishing rates, or those who don’t anticipate carrying a balance from month to month, low rate cards can be a hassle-free option.
  Compare low rate credit cards
• Student cards. If you don’t carry a balance from month to month and use a student card responsibly, it could help you to handle fluctuating costs and help kickstart a positive credit record, standing you in good stead for your future borrowing requirements.
  Compare student credit cards
• Charge cards. Charge cards come with a 0% ongoing interest rate, but your balance must be settled in full every month or you’ll incur late payment charges.

What benefits can I get with an AIB Bank credit card?

• 24-hour customer support. The AIB customer care team is on hand around the clock to answer any queries you have.
• No annual/monthly fees. You will not be charged an annual fee on any of the AIB credit cards.
• Global usage. The AIB credit cards are part of the Visa and Mastercard networks, meaning they are accepted at more than 35 million locations worldwide.
• Contactless payments. All the AIB credit cards are enabled for contactless payments of under £45.
• Enhanced security. Have peace of mind when shopping online with Verified by Visa and Mastercard SecureCode.
• Online account management. See your balance and make a payment at any time, from anywhere.

Applying for an AIB credit card

1. Fill out the application form on the website with your basic personal and contact details.
2. An AIB advisor will call you to complete your application. This will take about 10 minutes. Alternatively, you can call the AIB freephone number.
3. A credit check will be performed based on the information you have given and you will receive a quick decision.
4. Once approved, you should receive your new AIB credit card within 3–5 working days.

Eligibility requirements

To be eligible for an AIB credit card, you must:

• Be at least 18 years old.
• Be resident in the UK.
• Have an AIB current account.
• You must ensure that you can meet the repayments. Missed payments incur a charge and could have severe consequences on your ability to obtain future credit.

For the Student Mastercard, you must also be in full-time education as a third-level student.

Why might you not be approved?

On the whole, if you meet the eligibility requirements but have a history of bad debt or no credit history at all, you may be rejected. Equally if you’re in an IVA or have had a CCJ you may not be accepted. If you’ve ever declared bankruptcy you’re also unlikely to receive a card.

AIB customer reviews

AIB has received mostly negative reviews from customers, according to review platform Trustpilot. It currently has a rating of 1.9 out of 5, based on more than 120 reviews (updated 11 March 2021).

Some customers cited poor customer service, and issues when using their cards.

Frequently asked questions

• Can I get a higher credit limit than the recommended credit limit I am offered?

  If you have an active account and feel that the credit limit is inadequate for your needs, you can contact your local branch or call First Trust. Additional lending decisions will be subject to an assessment of your ability to repay.

• Can I amend the date on which my payments are due?

  Yes. You can change your payment due date to a date in the month that suits you best.

• Am I able to use my credit card abroad?

  Yes. Your AIB credit card will work anywhere that Visa Credit or MasterCard Credit is accepted, at over 35 million locations worldwide.

• Which cash machines can I use?

  You can use your AIB credit card at any cash machine where Visa Credit or MasterCard Credit is accepted. A list of over 800,000 locations, spread over 120 countries worldwide, is available on the Visa and Mastercard websites.