Bank of Ireland Classic Credit Card
Best for: a mainstream bank card with a 0% start on purchases or balance transfers
Pros
- 0% start on purchases or transfers
- No annual fee
- Lower FX fee (2.25%) than An Post Money and Avant Money
Cons
- 22.1% APR after the intro period
- No rewards
- Cash advance fee of 1.5% (minimum €2.54)
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
The Bank of Ireland Classic Credit Card is a no-annual-fee Mastercard with a 0% introductory offer on purchases or balance transfers. After the offer, the typical APR is 22.1% variable.
Bank of Ireland Classic Credit Card at a glance
| Issuer | Bank of Ireland |
| Card network | Mastercard |
| Annual fee | None |
| Rewards rate | None (Mastercard Priceless offers) |
| 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 | 16.12% variable purchase rate; 22.1% APR representative (variable) |
| 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 €1,000 |
| Best for | A mainstream bank card with a 0% start on purchases or balance transfers |
Key features
- 0% intro offer on purchases (6 months) or balance transfers (7 months)
- Up to 56 days interest-free on purchases
- Up to 3 additional cardholders at no charge
- Card controls in 365 Online; Apple Pay and Google Pay
- No annual fee; €30 government stamp duty applies
Pros
- 0% start on purchases or transfers
- No annual fee
- Lower FX fee (2.25%) than An Post Money and Avant Money
Cons
- 22.1% APR after the intro period
- No rewards
- Cash advance fee of 1.5% (minimum €2.54)
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 IrelandClassic 5218 4257 3655 5971 VALID THRU 05/29TAYLOR REED Bank of Ireland Classic Credit CardA mainstream bank card with a 0% start on purchases or balance transfers |
None | None (Mastercard Priceless offers) | 0% on purchases for 6 months or 0% on balance transfers for… | 2.25% cross-border handlin… | Aged 18 or over; minimum incom… | |
An Post Money (issued by Bankinter S.A., trading as Avant Money)An Post Money Flex 5432 4059 6956 8594 VALID THRU 09/31TAYLOR REED An Post Money Flex Credit CardSpreading the cost of a large purchase over 9 months at 0% |
None | None | 0% on purchases for 9 months; money transfers at 5.9% for 24… | 2.65% of the transaction v… | Aged 18 or over; resident of t… | |
RevolutRevolut Credit Card 5487 5065 8914 2951 VALID THRU 03/31SAM RIVERA Revolut Credit CardRevolut users who want an app-managed card with a 0% start and a mid-range APR |
None | RevPoints on spending (earn rate depends on your Revolut plan; see iss… | 0% on purchases and balance transfers for up to 6 months if… | See issuer (depends on you… | Aged 18 or over; Irish residen… |
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