It's your money

Cost Comparisons

Credit card
This survey contains up-to-date 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.

Financial Institution	Product (click on the links for further information)	APR % charged on purchases	APR % charged on cash withdrawals	Late payment fee	Over credit card limit fee	Introductory APR % on balance transferred
AIB	'CLICK' Credit Card	8.5%	23.4%	€7.00	€7.00	8.50% for 12 months
	Platinum	11.5%	23.4%	€7.00	€7.00	3.9% for 12 months

Bank of Ireland	2 in 1	13.9%	17.4%	€7.50	€7.50¹	0% for first 6 months²
	Clear Credit Card	9.5%	19.9%	€7.50	€6.25¹	0% for first 6 months.

EBS	Member³	14.9%	19.9%	€15.24	€12.70	0% for 10 months from the date the credit card account is opened.

GE Money	Debenhams MasterCard	17.9%	19.9%	€15.24	€12.70	2.90% for 6 months

MBNA	Standard	16.9%	19.9%	€15.24	€12.70	1.9% for 6 months from the date the account is opened.
	Platinum	14.9%	19.9%	€15.24	€12.70	0% for 10 months from the date the account is opened

National Irish Bank	Standard Card⁴	11.6%	11.6%	€8.50	NIL	None
	Gold⁵	10.7%	10.7%	€8.50	NIL	None

Permanent TSB	ICE	13.5%	16.9%	€7.50	€7.50	0% for 6 months

Ulster Bank	Classic Card	17.9%	22.9%	€8.50	€8.50	3.9% for first 12 months
	Zinc Card	15.9%	22.9%	€8.50	€8.50	3.9% for first 12 months
A charge applies in relation to any statement period in which one or more overlimit positions have occurred. Customers can either avail of 0% 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.

Cost Comparisons

Credit cardThis survey contains up-to-date 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.

This survey contains up-to-date 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.

Credit card
This survey contains up-to-date 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.