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Bank of Ireland - description of the lender

bankofireland_aercard

Bank of Ireland - description of the lender

Company

Company


Bank of Ireland and Aer Lingus have teamed up to bring you a new kind of credit card. One that turns your spend into amazing travel rewards.

Features & Benefits
  • 2 Free Return Fares: you pay taxes, fees and charges. Available when you spend €5,000 or more within a Reward Year on your Aer Credit Card, except for Excluded Transactions. Free return fares are for any European Aer Lingus ticketed and operated flights to/from Dublin, Cork, Shannon or Belfast. Travel restrictions apply.
  • 2 Fast Track & Priority Boarding Passes: on Aer Lingus operated flights out of Ireland at selected airports every Reward Year.
  • 2 Lounge Passes: to access airport lounges at Dublin, Cork, Shannon and Belfast every Reward Year.
  • Avios: collect 1 Avios for every €1 you spend on Aer Lingus products and services. And 1 Avios for every €4 you spend on all other transactions. Avios can be used to save money on flights.
  • Worldwide Multi Trip Travel Insurance: including winter sports.
  • No transaction fees: Pay no transaction fees when you use your credit card to pay for goods and services. Cross border handling fees apply to non-Euro transactions.
  • Low cost instalment option: Spread the cost of larger purchases at a great low rate by taking advantage of our unique credit card Instalment Plan.
  • Free Additional Cardholders: Add up to 3 additional cardholders and still pay government stamp duty only once.
  • and more.

    Interest

    26.6% APR variable

    Representative example

    Representative example of Aer Credit Card purchase at standard interest rate of 16.12% variable. Typical Annual Percentage Rate (APR) of 26.6% variable including annual Government Stamp Duty of €30 and an Annual charge of €95.88 (this is made up of 12 monthly charges of €7.99). Assuming purchase of €3,000 repaid in equal instalments over a 12 month period. The total amount repayable by customer is €3,387.90 which includes initial purchase of €3,000 and a total cost of credit of €387.90.

    Requirements

  • You must be at least 18 years old;
  • Your salary must be at least €16.000 per annum.
  • Important

    Aer Credit Card rates 

  • Purchases: 26.6% (Typical variable APRS), 16.12% (Variable);
  • Cash Advances: 21.36% (Variable);
  • Instalment Plan: 6.9% (Typical variable APRS), 6.7% (Variable);
  • Balance Transfers: 0% for first 7 months (Fixed).

  • Aer Credit Card fees & charges
  • Monthly Account Fee €7.99;
  • Government Stamp Duty €30.00;
  • Late Payment Fee €7.50;
  • Overlimit Fee €7.50;
  • Unpaid Cheques/Direct Debits/Standing Orders €5.00;
  • etc.

    Office hours

    Monday-Friday: 8:00am - 8:00pm
    Saturday: 8:00am - 6:00pm
    Sunday & Bank Holidays: 10:00am - 5:00pm

    Address

    40 Mespil Road, Dublin 4, Ireland

    Additional information

    Credit Card Services:
    ROI 1890 251 251
    GB & NI 03457 365 555
    All other locations: +353 56 775 7747

    Other offers

    Benefits & Features

    • Interest free period to 56 days
    • No transaction fees
    • Emergency Cash Service
    • No annual fee
    • Add cardholders for free

    Salary Requirements

    €16.000 p.a.

    APR

    22.1 %

    Balance Transfer

    0 % for 7 months

    Minimum age

    18 years

    2685

    Classic Credit Card
    Representative example: Typical APR of 22.1% variable including annual Government Stamp Duty of €30. Assuming purchase of €1,500 repaid in equal instalments over a 12 month period. The total amount repayable by customer is €1661.01 which includes initial purchase of €1,500 and a total cost of credit of €161.01.
    NB! Total amount payable depends on the loan amount, percentage, terms and individual creditworthiness.

    Benefits & Features

    • SuperValu Real Rewards points
    • No transaction fees
    • No annual fee
    • Low cost instalment option

    Salary Requirements

    €16.000 p.a.

    APR

    20.2 %

    Balance Transfer

    2.9% for 12 months

    Minimum age

    18 years

    3248

    Affinity Credit Card
    Representative example: Typical APR of 20.2% variable including annual Government Stamp Duty of €30. Assuming purchase of €1,500 repaid in equal instalments over a 12 month period. The total amount repayable by customer is €1,648.38 which includes initial purchase of €1,500 and a total cost of credit of €148.38.
    NB! Total amount payable depends on the loan amount, percentage, terms and individual creditworthiness.

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