AIB Visa Gold Card review August 2020
If you're looking for a no-frills card to offer you flexibility with your spending, the Visa Gold Card from AIB (formerly First Trust Bank) could fit the bill.
Minimum credit limit
Available to existing customers only, 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 charge interest, although there are usually harsh fees if you fail to clear your balance.
The primary benefit of a charge card is flexibility over payments – purchases at the start of the billing cycle are paid for at the end of the billing cycle, so you can enjoy up to 56 days interest-free. If you do expect to carry a balance month to month, then this isn’t the card for you.
How does this card compare with other popular cards on the market?
How to apply for the AIB Visa Gold Card
To apply for a Visa Gold card, you’ll need to call in to any AIB branch. You’ll need to show proof of your identity and address (such as your passport, driving licence and a gas or electricity bill) if AIB doesn’t already hold this information.