It's your money

Cost Comparisons

Credit card
This�cost comparison�contains information on the main credit cards available from individual firms. See our�borrowing money and getting credit section�for�more�credit information.�Please read our disclaimer before you use our information.

��

Please note that the Consumer Credit Directive recently came into effect. Under the Directive a number of changes have taken place. One of the changes is to the APR (Annual Percentage Rate) for credit cards, must now include the cost of the government stamp duty. This means that the advertised APR for credit cards has increased. However, this recalculation will not change the cost of your credit card.

We�are currently awaiting clarification on how the rates will be calculated across the industry. Once known the credit card rates listed below will be updated simultaneously to make sure you can compare them on a like for like basis.

Financial Institution	Product (click on the links for further information)	APR charged on purchases	APR charged on cash withdrawals	Late payment fee	Introductory APR on balance transferred	Introductory APR on new purchases
AIB	'CLICK' Credit Card	9.5%	23.4%	€7.00	None	None
	Platinum	12.5%	23.4%	€7.00	3.9% for 12 months	3.9% for 12 months

Bank of Ireland	Classic Credit Card	14.9%	23.2%	€7.50	3.9% for first 6 months¹	0% for first 6 months¹
	Clear Credit Card	10.9%	23.2%	€7.50	None	None

EBS	Member²	14.9%	19.9%	€15.24	0% for 10 months from the date the credit card account is opened.	None

MBNA	Standard	16.9%	19.9%	€15.24	1.9% for 6 months from the date the account is opened.	1.9% for 6 months for credit card cheques only from the date the account is opened. This rate does not apply for retail purchases using the credit card.
	Platinum	14.9%	19.9%	€15.24	0% for 10 months from the date the account is opened	0% for 10 months for credit card cheques only from the date the account is opened. This rate does not apply for retail purchases using the credit card.

National Irish Bank	Standard Card³	11.6%	11.6%	€8.50	None	None
	Gold⁴	10.7%	10.7%	€8.50	None	None

One Direct	Standard²	14.9%	19.9%	€15.24	0% for 10 months	None

Permanent TSB	ICE	13.5%	16.9%	€7.50	0% for 6 months	None

Tesco Personal Finance	Clubcard Credit Card	14.9%	16.7%	€6.35	0% for 6 months	0% for 8 months

Ulster Bank	Classic Card	17.9%	22.9%	€8.50	3.9% for first 12 months	0% for first 3 months
	Zinc Card	15.9%	22.9%	€8.50	3.9% for first 12 months	0% for first 6 months
Customers can either choose a 3.9% APR on balance transferred or 0% APR on new purchases for 6 months. This card is issued by MBNA. In conjunction with NIB Freedom or NIB Easy Customer Packages. In conjunction with NIB Easy Plus Customer Package, a quarterly fee of €18.75 is charged.

Please note:

In addition to the non-euro purchases/withdrawals fee, some institutions may apply a further fee where an agency is used for currency conversion.

Can't find your credit card?� Please note that in addition to the credit cards listed above you may already have an existing�credit card that is no longer offered to new customers.� To compare rates and benefits on existing cards you should contact your credit card provider directly or check your most recent statement.

Use our jargon buster, if you need an explanation of financial terms in plain English.