AIB 'be' Visa Card Review

A credit card may be a very valuable financial instrument, allowing you to do what you need to do while also providing you with the independence and peace of mind. Sometimes things happen that simply cannot wait until the end of the month. The AIB 'be' Credit Card puts you in charge and allows you to pay for those unexpected purchases. When you spend €5,000 or more in a 12-month period, you will receive introductory rates on purchases and balance transfers from 'be' Credit Cards.

Features and Benefits

• There is no yearly bank fee (the government charges a stamp tax of €30.00 each credit card account). Other charges and fees may apply (Fees, Charges and Important Information)
• Credit with no interest for up to 56 days, You can avoid paying interest if you pay your bill in whole and on schedule each month.
• Free 'be' Card No. 2 , You may add one more cardholder to your AIB Credit Card if the cardholder is a family member (defined as a parent, spouse, partner, sibling, or child over the age of 16) who typically resides at your residence.
• When you spend more than €5,000 in a 12-month period, you will receive a lower annual interest rate of 14.16 percent (variable).
• Explanation of a Lower Annual Interest Rate: reward you with a lower yearly interest rate with the 'be' Visa dependent on how much you spend in a year. When you spend €5,000 or more in a 12-month assessment period, the lower annual interest rate of 14.16 percent (variable) applies.
• The higher annual interest rate of 16.79 percent (variable) applies to cardholders who spend less than €5,000 in a 12-month assessment period. *If you incur any two incidents of Late Payment, Returned Payment, or Over Limit Fee within a 12-month assessment period, you will be charged interest at the higher annual interest rate beginning with the next statement date, regardless of spend.

Fees and Rates

• Purchases have a low annual interest rate of 9.11 percent (variable) (Fees, Charges and Important Information).
• There is no yearly bank fee (the government charges a stamp tax of €30.00 each credit card account). Other fees and charges may be charged.
• Annual Percentage Rate (APR): 13.8% (variable)
• Representative Example: Assuming you have a credit limit of €1,500 on your card and use your entire limit to make a single card purchase immediately after receiving your card, and you repay in equal monthly payments over 12 months at an interest rate of 9.11 percent variable (Representative 13.8 percent APR variable), the total amount you will pay back is €1,574.02, which includes a government stamp duty charge of €30.00. The interest would be €74.02.

Easy Payment

• Payment without receipt- Contactless payments are supported by the card. You can select to tap and pay where you see the contactless icon if the transaction is less than €50. Please click here for additional details.
• Payments via mobile devices Google PayTM and Apple Pay allow you to pay for your purchases fast and securely. With Google Pay/Apple Pay, just touch and pay for things costing €50 or less. Depending on the shop, you can pay for things worth more than €50 with Google Pay or Apple Pay.
• Salary Requirements - Minimum Qualifying Salary: €16,000

Card Limit

• You can choose your own credit limit. Using AIB Internet Banking, you can seek an increase in your credit limit (Subject to lending criteria)
• Spread out your payments. You choose how much you wish to repay with an AIB 'be' Credit Card, from the minimum (3 percent or €6.35, whichever is larger) to the whole outstanding sum.

Customer Care

If you have any questions, please call (01) 668 5500 (or +353 1 6685500 from outside the country). If your card is lost or stolen, please call 1800 24 22 27 (or +353 1 269 5022 from overseas) 24 hours a day, seven days a week.