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Helpline lo-call 1890 432 432

Product details info
Provider:Bank of Ireland
Product name:Platinum Advantage Credit Card
Card type:Mastercard
Website:Bank of Ireland
Using your credit card abroad info
Non-euro cash withdrawals as % of transaction value:2.25% cross-border handling fee plus 1.5% (min €2.54)Footnote 1 v
Non-euro purchases fee as % of transaction value:2.25% of transaction value

Rates info
Annual (nominal) interest rate charged on cash withdrawals:19.89%
Annual (nominal) interest rate charged on purchases:13.79%
APR charged on purchases:19.6%
Fees & charges info
Cash advance fee as % of transaction value:1.5% subject to a minimum of €2.54 per transactionFootnote 3 v
Contactless payments:€0.00
Duplicate statement fee:First page €3.80, additional pages €2.50 each.
Late payment fee:€7.50
Over credit card limit fee:€7.50Footnote 2 v
Replacement of lost/stolen card:€0.00
Replacement of PIN:€0.00
Unpaid item fee:€3.17

Introductory rate offers info
Introductory rate on balance transferred:0% for 7 months
Introductory rate on new purchases:0% for 6 months
Terms and conditions info
Maximum interest-free period on cash:0 days
Maximum interest-free period on purchases:Up to 56 days
Minimum qualifying salary:€40,000 per annum

Other details
  • An annual fee of €76.18 applies to the Platinum Advantage card.
  • Automatic fully comprehensive multi-trip travel insurance when you have paid for at least 50% of your total fare of the insured journey using your Platinum Credit Card.
  • This card includes an instalment option for purchases over €500. This instalment plan feature allows the customer to transfer a purchase over €500 onto this plan, with a separate interest rate. Currently this interest rate is 6.9% APR variable and the customer would pay off the plan in 12 equal instalments.


  1. If account is in credit or has zero balance after cash withdrawal is processed only the cross-border handling fee will be applied. ^
  2. A charge applies in relation to any statement period in which one or more overlimit positions have occurred. ^
  3. No cash advance fee applies if account is in credit or has zero balance ater cash withdrawal is processed. ^

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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