Looking for the best credit cards with the lowest fees, best rewards, and exclusive benefits in Ireland? We've analyzed 5 Credit Cards from top banks operating in Ireland to help you find the perfect match for your needs.
Whether you're an expat, a local resident, or a business professional, this guide covers everything from annual fees and interest rates to rewards programs and eligibility requirements. All data is sourced directly from bank product listings and updated regularly.
Top 5 Credit Cards in Ireland (2026)
1. AIB Click Visa
Bank: AIB
- Annual Fee: No annual fee
- Minimum Salary: EUR 16,000
- Key Benefits: Contactless Payments, Digital Wallet, Chip/Pin, Internet Banking, Global Acceptance, Supplementary Cards
The AIB Click Visa is a no-annual-fee credit card with up to 56 days interest-free on purchases. It supports contactless payments and mobile payments via Google Pay and Apple Pay, with full online acc...
2. AIB Platinum Card
Bank: AIB
- Annual Fee: No annual fee
- Minimum Salary: EUR 40,000
- Key Benefits: Cash Back, Contactless Payments, Digital Wallet, Chip/Pin, Internet Banking, Global Acceptance
The AIB Platinum Visa Card is a premium credit card with no annual fee, offering cashback awards on qualifying purchases and up to 56 days interest-free. It features introductory rates on both purchas...
3. AIB Be Visa
Bank: AIB
- Annual Fee: No annual fee
- Minimum Salary: EUR 16,000
- Key Benefits: Contactless Payments, Digital Wallet, Chip/Pin, Internet Banking, Global Acceptance, Supplementary Cards
The AIB Be Visa is a versatile credit card with no annual fee, featuring introductory rates on purchases and balance transfers with up to 56 days interest-free. It supports contactless and mobile paym...
4. BOI Classic Visa
Bank: Bank of Ireland
- Annual Fee: No annual fee
- Minimum Salary: Not specified
- Interest Rate: 16.12% variable (APR 22.1%)
- Key Benefits: Installment Plan, Contactless Payments, Chip/Pin
The Bank of Ireland Classic Visa is a no-annual-fee credit card offering 0% introductory interest rate offers, no transaction fees, and the ability to add cardholders for free. Approvals typically hap...
5. BOI Platinum Card
Bank: Bank of Ireland
- Annual Fee: EUR 76.18 per year
- Minimum Salary: Not specified
- Interest Rate: 13.79% variable (APR 19.6%)
- Key Benefits: Installment Plan, Contactless Payments, Chip/Pin
The Bank of Ireland Platinum Card features the lowest interest rate among BOI credit cards at 13.79% variable (APR 19.6%), worldwide travel insurance, and 0% introductory offers. It has a EUR 76.18 an...
How to Choose the Right Card
When comparing Credit Cards in Ireland, consider these factors:
- Annual Fee: Some cards offer zero annual fees, while premium cards with lounge access and travel insurance may charge higher fees but offer greater value.
- Minimum Salary: Each bank has different eligibility requirements. Cards with lower salary requirements are easier to qualify for.
- Rewards & Cashback: Look for cards that match your spending habits — dining, travel, shopping, or fuel.
- Interest Rate: If you plan to carry a balance, compare the monthly interest rates carefully.
Compare All Credit Cards in Ireland
Want to see all available options? Compare all Credit Cards in Ireland →
Last updated: April 2026. All information is for comparison purposes only. Please verify details directly with the bank before applying.
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