AIB Platinum Visa Card
Best for: higher earners who want cash back and a low intro rate with no annual bank fee
Pros
- Cash back with no annual bank fee
- Low 12-month intro rate on purchases and transfers
- 17.0% APR is below most Irish cards
Cons
- €40,000 minimum salary
- Cash back is capped at €225 a year
- FX fee of up to 2.75%
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
The AIB Platinum Visa Card pays 0.5% back on yearly spending between €5,000 and €50,000 and starts with a 3.83% rate on purchases and transfers for 12 months. You need a salary of at least €40,000.
AIB Platinum Visa Card at a glance
| Issuer | AIB |
| Card network | Visa |
| Annual fee | None |
| Rewards rate | 0.5% back on annual spending between €5,000 and €50,000 (maximum €225 per 12 months) |
| Welcome bonus | See issuer for the current offer |
| Intro APR | 3.83% variable on purchases and balance transfers for the first 12 months (transfers of up to €5,000 from store or non-AIB cards) |
| Regular APR | 11.84% variable purchase rate; 17.0% APR representative (variable) |
| Foreign transaction fee | 1.75% on non-euro transactions in Europe; 2.75% in the rest of the world (AIB Visa) |
| Credit needed | Aged 18 or over; minimum qualifying salary €40,000; income verification required |
| Best for | Higher earners who want cash back and a low intro rate with no annual bank fee |
Key features
- 0.5% back on €5,000 to €50,000 of spending a year, up to €225
- 3.83% intro rate on purchases and balance transfers for 12 months
- Visa Luxury Hotel Collection benefits
- Up to 56 days interest-free on purchases
- No annual bank fee; €30 government stamp duty applies
Pros
- Cash back with no annual bank fee
- Low 12-month intro rate on purchases and transfers
- 17.0% APR is below most Irish cards
Cons
- €40,000 minimum salary
- Cash back is capped at €225 a year
- FX fee of up to 2.75%
Before you apply: confirm the current annual fee, interest rate, rewards and eligibility on the issuer's official site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
How it compares with similar Ireland cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
AIB Platinum Visa CardHigher earners who want cash back and a low intro rate with no annual bank fee |
None | 0.5% back on annual spending between €5,000 and €50,000 (maximum €225… | 3.83% variable on purchases and balance transfers for the fi… | 1.75% on non-euro transact… | Aged 18 or over; minimum quali… | |
Avant Money (Bankinter S.A.)Avant Money Everyday+ 5300 6092 7815 0304 VALID THRU 01/30JORDAN TAYLOR Avant Money Everyday+ Credit CardHouseholds with a big weekly shop who clear the balance every month |
None | 5% cash back on groceries at eligible retailers for the first 12 month… | 0% on balance transfers for 6 months | 2.65% on non-euro transact… | Aged 18 or over; resident of t… |
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