Last updated: August 2, 2026 · Credit cards compared: 12 · Data source: issuer product pages, recorded in the Buzdy database · cited pages where we hold them
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for a credit card in Ireland in 2026? These are all 12 credit cards in Ireland that Buzdy currently holds verified data for. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.
How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.
This is not a complete list of every credit card sold in Ireland. It is the set Buzdy has verified data for, from 4 issuers, as of August 2, 2026.
Quick Comparison: 12 Credit Cards in Ireland
Side by side, in the order explained above. Tap any name for the full product page.
| Credit card | Bank | Annual fee | Interest rate | Verified benefits | Details |
|---|---|---|---|---|---|
| 1. AIB Platinum Card | AIB | No annual fee | 11.84% per year | Cashback, Digital wallet, Supplementary cards | View → |
| 2. BOI Classic Visa | Bank of Ireland | No annual fee | 16.12% per year | Supplementary cards | View → |
| 3. Revolut Metal | Revolut Ireland | Not published | 16.56% per month | Airport lounge, Cashback, Travel benefits, Dining offers | View → |
| 4. PTSB Platinum Card | Permanent TSB | Not published | 16.56% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 5. AIB Click Visa | AIB | No annual fee | 9.11% per year | Digital wallet, Supplementary cards | View → |
| 6. BOI Aer Credit Card | Bank of Ireland | EUR 78 | 14% per year | Airport lounge, Rewards points, Travel benefits | View → |
| 7. Revolut Premium | Revolut Ireland | Not published | 16.56% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 8. PTSB Gold Card | Permanent TSB | Not published | 16.56% per month | Travel benefits, Dining offers, Digital wallet, Shopping offers | View → |
| 9. AIB Be Visa | AIB | No annual fee | 14.16% per year | Digital wallet, Supplementary cards | View → |
| 10. BOI Platinum Card | Bank of Ireland | EUR 76.18 | 13.79% per year | None published | View → |
| 11. Revolut Standard | Revolut Ireland | Not published | 16.56% per month | Cashback, Digital wallet, Shopping offers, Supplementary cards | View → |
| 12. PTSB ICE Visa | Permanent TSB | Not published | 16.56% per month | Digital wallet, Shopping offers, Supplementary cards | View → |
The 12 Credit Cards in Detail
1. AIB Platinum Card
Bank: AIB
- Annual fee: No annual fee
- Interest rate: 11.84% per year
- Minimum income: EUR 3,333.33 / month (Minimum Qualifying Salary: €40,000)
- Verified benefits: Cashback, Digital wallet, Supplementary cards
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 purchases and balance transfers, contactless and mobile payments via Google Pay and Apple Pay, and requires a minimum salary...
2. BOI Classic Visa
Bank: Bank of Ireland
- Annual fee: No annual fee
- Interest rate: 16.12% per year
- Minimum income: EUR 1,333.33 / month (Salary requirement €16,000)
- Verified benefits: Supplementary cards
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 happen within 24 hours, with flexible installment plan options for purchases at a standard interest rate of 16.12% varia...
3. Revolut Metal
Bank: Revolut Ireland
- Annual fee: Not published
- Interest rate: 16.56% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Premium metal card with cashback, unlimited lounge access, comprehensive travel insurance, and concierge.
4. PTSB Platinum Card
Bank: Permanent TSB
- Annual fee: Not published
- Interest rate: 16.56% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Premium card with airport lounge access, comprehensive travel insurance, and lifestyle benefits.
5. AIB Click Visa
Bank: AIB
- Annual fee: No annual fee
- Interest rate: 9.11% per year
- Minimum income: EUR 1,333.33 / month (Minimum Qualifying Salary: €16,000)
- Verified benefits: Digital wallet, 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 account management through AIB mobile and internet banking. Requires a minimum salary of EUR 16,000.
6. BOI Aer Credit Card
Bank: Bank of Ireland
- Annual fee: EUR 78 (EUR 6.50 per month (EUR 78 per year))
- Interest rate: 14% per year
- Minimum income: EUR 1,333.33 / month (Salary Requirements: 16,000)
- Verified benefits: Airport lounge, Rewards points, Travel benefits
The Bank of Ireland Aer Credit Card, in partnership with Aer Lingus, converts spending into travel rewards including 2 return flights to Europe, 2 lounge passes, and worldwide travel insurance. It carries a monthly fee of EUR 6.50 with a standard interest rate of 14% variable (APR 22.7%) and offers 0% introductory r...
7. Revolut Premium
Bank: Revolut Ireland
- Annual fee: Not published
- Interest rate: 16.56% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Enhanced card with travel insurance, airport lounge access, and higher exchange limits.
8. PTSB Gold Card
Bank: Permanent TSB
- Annual fee: Not published
- Interest rate: 16.56% per month
- Minimum income: Not published
- Verified benefits: Travel benefits, Dining offers, Digital wallet, Shopping offers, Supplementary cards
Gold card with travel insurance, extended warranty, and enhanced purchase protection.
9. AIB Be Visa
Bank: AIB
- Annual fee: No annual fee
- Interest rate: 14.16% per year
- Minimum income: EUR 1,333.33 / month (Minimum Qualifying Salary: €16,000)
- Verified benefits: Digital wallet, 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 payments, and requires a minimum salary of EUR 16,000. Ideal for cardholders looking for a straightforward credit card wi...
10. BOI Platinum Card
Bank: Bank of Ireland
- Annual fee: EUR 76.18 (EUR 76.18 per year)
- Interest rate: 13.79% per year
- Minimum income: EUR 3,333.33 / month (Salary Requirements: 40,000)
- Verified benefits: None published on the issuer product page
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 annual fee and offers no transaction fees, installment plans, and approvals usually within 24 hours.
11. Revolut Standard
Bank: Revolut Ireland
- Annual fee: Not published
- Interest rate: 16.56% per month
- Minimum income: Not published
- Verified benefits: Cashback, Digital wallet, Shopping offers, Supplementary cards
Free digital card with interbank exchange rates, instant spending notifications, and budget tools.
12. PTSB ICE Visa
Bank: Permanent TSB
- Annual fee: Not published
- Interest rate: 16.56% per month
- Minimum income: Not published
- Verified benefits: Digital wallet, Shopping offers, Supplementary cards
Standard Visa with competitive rates, purchase protection, and PTSB mobile banking integration.
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
- Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
- Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
- Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
- Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
- Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
- Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.
Common Mistakes to Avoid
The five most expensive errors people make with credit cards:
- Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
- Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
- Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
- Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
- Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.
How to Choose the Right Credit card in Ireland
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — check the issuer's licence on the Central Bank of Ireland public register before you apply
Frequently Asked Questions: Credit cards in Ireland
What is the best credit card in Ireland for 2026?
The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare the 12 products in this guide above.
What credit score do I need for a credit card in Ireland?
Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. Of the 12 products in this guide, 6 publish a minimum income requirement — the lowest is EUR 1,333.33 a month (BOI Classic Visa, Bank of Ireland). The other 6 do not publish one on their product page.
Can I apply online for a credit card in Ireland?
Yes, most major banks in Ireland now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these credit cards regulated and safe?
Retail banking in Ireland is supervised by Central Bank of Ireland. Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.
Can I get a credit card if I am self-employed in Ireland?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees, a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for Ireland
- All banks in Ireland
- Bank branches across Ireland
- Credit Cards In Ireland 2026
- Personal Loans In Ireland 2026
- Savings Accounts In Ireland 2026
- Ireland EMI calculator
- Ireland savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
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