Highest rated loans

Company

With Affinity Credit Cards from Bank of Ireland, you not only get all the advantages of a great credit card, Bank of Ireland also makes a donation to the college you choose and will donate a percentage of your annual expenditure at no expense to you.

Affinity Programmes available are: Trinity College Dublin, University College Dublin, University College Cork, University of Limerick, NUI Galway, NUI Maynooth.

Bank of Ireland Group plc is a public limited company incorporated in Ireland. Bank of Ireland is regulated by the Central Bank of Ireland. In the UK, Bank of Ireland is authorised by the Central Bank of Ireland and the Prudential Regulation Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority.

Interest

Max. APR 20.2 %

Representative example

Representative Example of credit card purchase at standard interest rate of 14.57% variable. 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.

Requirements

To apply for a credit card you must be 18 years of age or over. They apply lending criteria when you apply for a Credit Card and decide to approve applications for Credit Cards based on them. If they approve a Credit Card for you, terms and conditions will apply but they will make sure you have these before you commit to the facility.

Important

Rates for the Affinity Credit Card:

Purchases: 20.2% (Typical variable APRS), 14.57% (Variable)

Cash Advances: 18.33% (Variable)

Instalment Plan: 6.9% (Typical variable APRS), 6.7% (Variable)

Balance Transfers: 2.9% for first 12 months (Fixed)

Fees

Unpaid/Returned Direct Debits €3.17;

Copy Statement fees

For the first page of each individual statement €3.80;

For each subsequent page of statement €2.50<;

Cross Border Handling Fee

Transaction in euro: no charge;

All other transactions: 2.25% value of transaction;

Cash Advance Fee

Transactions in euro: 1.5% subject to a minimum of €2.54 per transaction;

Non euro transactions: a Cash Advance fee of 1.5% will be applied to the euro converted amount including the 2.25% cross border handling fee referred to above, subject to a minimum of €2.54 per transaction;

Annual Account Fees

Government Stamp Duty: €30.00;

A processing fee of 1%, minimum €1.27 and €6.35 maximum will be charged where payment to a credit card is made by foreign cheque.

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

Republic of Ireland: 1890 251 251
Great Britain/ Northern Ireland: 0845 309 8099
Outside these locations: +353 56 775 7747