If you want a credit card in Ireland without paying a yearly bank charge, AIB Bank Credit Cards offer no annual bank fee.
AIB also highlights an important detail: a Government stamp duty of €30.00 is charged annually per credit card account, and other charges may apply.
This guide explains what that phrase means in practice, which AIB cards advertise it, what interest rates look like, and what to check before you apply.
What “no annual bank fee” actually means
AIB describes no annual bank fee, but it also states that the Government stamp duty of €30.00 is charged annually per credit card account.
That stamp duty is separate from bank fees, and AIB notes that other charges may apply depending on how you use the card.
AIB also publishes fees pages showing that some older or different products may carry annual fees (and some may not be open to new customers).
So, you should always check the specific product page for the card you plan to apply for and confirm what charges apply to that product.
AIB Bank credit cards that advertise “no annual bank fee”
AIB’s product pages for certain personal credit cards repeat the “no annual bank fee” line and the same stamp-duty note.
AIB CLICK Visa Card: listed as no annual bank fee, with €30.00 Government stamp duty charged annually per account.
AIB Platinum Visa Card: also listed as no annual bank fee, with the same €30.00 Government stamp duty note.
If your goal is to avoid an annual bank fee, rely on the specific AIB product page language for the card you want.
AIB credit card interest rates and APR
AIB publishes credit card rates by product, including the annual purchase interest rate (variable) and a representative APR (variable).
Because these are variable rates, they can change over time, and AIB may update them.
- AIB CLICK Visa Card: annual purchase interest rate 9.11% (variable); representative APR 13.8% (variable).
- AIB Platinum Visa Card: annual purchase interest rate 11.84% (variable); representative APR 17.0% (variable).
- AIB Student Visa Card: annual purchase interest rate 14.85% (variable); representative APR 20.5% (variable).
- AIB ‘be’ Visa: AIB lists a representative APR 22.9% (variable), with variable purchase interest rates shown on its rates information.
Before applying, check AIB’s current rates page for the latest figures and confirm which rate applies to your specific card.
Fees and charges that can still apply
AIB lists a cash advance fee of 1.5% of the value (minimum €1.90) on its fees page.
This matters if you withdraw cash at an ATM or do cash-like transactions, because those tend to cost more than normal purchases.
AIB also lists annual fees for some specific products on its fees pages (and some products may not be available to new customers).
That is why it’s important to confirm the exact product you are applying for, rather than assuming every AIB card has identical pricing.
Interest-free period and how it usually works
AIB’s Platinum Visa Card information includes up to 56 days interest free credit if you clear your balance in full and on time each month.
If you pay the full statement balance by the due date, you can often avoid purchase interest.
If you carry a balance, interest typically applies, and the purchase interest rate and APR become much more important.
If you want a card mainly for day-to-day spending and you plan to pay in full monthly, focus on the yearly costs (including stamp duty).
What to prepare before you apply
AIB’s pages are structured around choosing a card, reviewing rates, and applying through AIB’s channels.
- Personal details: name, address, contact information, and residency details.
- Income and employment details: to support affordability checks.
- Financial commitments: other loans, repayments, and credit commitments, because lenders generally assess your ability to repay.
AIB also highlights that some cards may have special introductory interest rates for a limited period.
When you see an introductory rate, check how long it lasts and what rate applies after it ends.
Here’s how you apply for an AIB Bank credit card in the Republic of Ireland.
- Pick the card you want (for example, CLICK Visa, Platinum Visa, ‘be’ card, or Student).
- If you’re an AIB Internet Banking customer, log in to AIB Internet Banking and choose the credit card application option for your card type.
- If you’re not an Internet Banking customer, use AIB’s Credit Card Application “Call Me Back” form so AIB can ring you to complete the application.
- If you prefer speaking to someone first, call AIB Direct Sales on 0818 724 725 (or +353 1 771 2424 from outside Ireland) or visit any AIB branch.
- If you already have an AIB credit card and want to swap to another AIB card, AIB routes this through a callback process rather than an instant online switch.
Responsible use tips that protect your finances
Pay in full when possible to reduce or avoid purchase interest, depending on the card’s rules.
Avoid cash advances unless you have to, because they can trigger fees and costlier interest rates.
Use alerts and monitoring so you can spot unusual activity quickly and act early.
Keep spending within your budget so the card stays a convenience tool rather than a long-term debt.
Customer support: official phone numbers and address
AIB Head Office: Molesworth Street, Dublin. Phone: +353 1 6600311.
Phone & Internet Banking (Republic of Ireland): 0818 724 724. Outside Ireland: +353 1 771 2424.
AIB also lists dedicated numbers for card security emergencies, such as lost or stolen cards: Ireland: 1800 242227/Outside Ireland: +353 1 6685500.
Conclusion
AIB Bank Credit Cards that do not charge a yearly bank fee still apply the €30 annual Government stamp duty per account.
Your total cost will depend on how you use the card, especially whether you carry a balance, take cash advances, or miss payments.
Before applying, compare AIB’s published rates for your chosen card and confirm fees and terms on the official product pages.
Disclaimer: This article is for general information only and is not financial advice. Rates, fees, and product availability can change over time, so you should confirm current terms directly with AIB before applying.
