Aer Credit Card
Best for: Aer Lingus flyers who spend €5,000+ a year and will use the flight and lounge perks
Pros
- The only Irish card we found that earns travel rewards
- Flights, lounge passes and insurance can outweigh the fee
- 0% intro offer for new customers
Cons
- €78 a year in charges before stamp duty
- 22.7% APR
- Low earn rate on spending outside Aer Lingus
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
The Aer Credit Card from Bank of Ireland earns Avios and adds two return Aer Lingus flights to Europe when you spend €5,000 in a reward year. It costs €6.50 a month plus stamp duty.
Aer Credit Card at a glance
| Issuer | Bank of Ireland (with Aer Lingus) |
| Card network | Mastercard |
| Annual fee | €78 (€6.50 a month) |
| Rewards rate | 1 Avios per €1 spent with Aer Lingus; 1 Avios per €4 on other eligible spending |
| Welcome bonus | See issuer for the current offer |
| Intro APR | 0% on purchases for 6 months or 0% on balance transfers for 7 months (new customers; check current terms) |
| Regular APR | 14% variable purchase rate; 22.7% APR representative (variable, includes the €78 annual charge) |
| Foreign transaction fee | 2.25% cross-border handling fee on non-euro transactions |
| Credit needed | Aged 18 or over; minimum income €16,000; minimum credit limit €1,600 |
| Best for | Aer Lingus flyers who spend €5,000+ a year and will use the flight and lounge perks |
Key features
- 2 return Aer Lingus flights to Europe each reward year when you spend €5,000 or more (taxes and charges extra)
- 2 Aer Lingus lounge passes and 2 fast track and priority boarding passes a year
- Worldwide family multi-trip travel insurance including winter sports
- Up to 56 days interest-free on purchases
- €6.50 monthly charge plus €30 government stamp duty
Pros
- The only Irish card we found that earns travel rewards
- Flights, lounge passes and insurance can outweigh the fee
- 0% intro offer for new customers
Cons
- €78 a year in charges before stamp duty
- 22.7% APR
- Low earn rate on spending outside Aer Lingus
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.
Sources: personalbanking.bankofireland.com · personalbanking.bankofireland.com · personalbanking.bankofireland.com
How it compares with similar Ireland cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Bank of Ireland (with Aer Lingus)Aer 5402 0591 0616 1858 VALID THRU 01/31JORDAN TAYLOR Aer Credit CardAer Lingus flyers who spend €5,000+ a year and will use the flight and lounge perks |
€6.50/mo | 1 Avios per €1 spent with Aer Lingus; 1 Avios per €4 on other eligible… | 0% on purchases for 6 months or 0% on balance transfers for… | 2.25% cross-border handlin… | Aged 18 or over; minimum incom… | |
AIBClick Visa 4620 1900 4635 8053 VALID THRU 07/30SAM RIVERA AIB Click Visa CardKeeping interest low if you sometimes carry a balance |
None | None | None | 1.75% on non-euro transact… | Aged 18 or over; minimum quali… | |
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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