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Helpline lo-call 1890 432 432

Product details info
Provider:AIB
Product name:be Visa Card
Card type:Visa
Website:AIB
Using your credit card abroad info
Non-euro cash withdrawals as % of transaction value:Currency conversion fee of 1.75% within Visa Europe Region or 2.75% outside Visa Europe Region plus a cash advance fee of 1.5% (minimum €1.90.)
Non-euro purchases fee as % of transaction value:Currency conversion fee of 1.75% within Visa Europe Region or 2.75% outside Visa Europe Region.

Rates info
Annual (nominal) interest rate charged on cash withdrawals:19.68%
Annual (nominal) interest rate charged on purchases:16.79%Footnote 1 v
APR charged on purchases:22.9%
Fees & charges info
Cash advance fee as % of transaction value:1.5% (minimum €1.90)
Contactless payments:0.00
Duplicate statement fee:€4.00
Late payment fee:€7.00
Over credit card limit fee:€7.00
Replacement of lost/stolen card:€0.00
Replacement of PIN:€0.00
Unpaid item fee:€7.00

Introductory rate offers info
Introductory rate on balance transferred:3.83% for 12 months from account opening
Introductory rate on new purchases:3.83% for 12 months from account opening
Terms and conditions info
Maximum interest-free period on cash:up to 56 days
Maximum interest-free period on purchases:up to 56 days
Minimum qualifying salary:€16,000

Other details
  • The APR is based on a credit limit of €1,500 and includes Government Stamp Duty of €30 per annum.
  • For purchases equal to or exceeding €5000 in a 12 month period, an annual rate of 14.16% (variable) applies. For purchases not exceeding €5000 in a 12 month period, an annual rate of 16.79% (variable) applies. Where any 2 of the following occur in a 12 month period, an annual rate of 16.79% (variable) applies from the next statement regardless of spend: Late Payment Fees, Returned Payment Fees, Over Limit Fees.



Footnotes

  1. A lower annual purchase rate of 14.16% (variable) may apply, see Other details for information. ^

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27/03/2017

All Information correct as at 27 March 2017

Personal Finance Queries, Competition and Consumer Protection Commission, 4 Harcourt Road, Dublin 2.
Lo-call 1890 432 432 (Opening hours from 9am to 6pm Monday to Friday)

Consumer Help