It's your money

Cost Comparisons

Student credit card
This cost comparison contains information on the main student 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.



The information in this cost comparison is correct as at 10 June 2010.  The Consumer Credit Directive came into effect from 11 June 2010, and there will be changes to the cost comparison as a result of this. All of the relevant updates will be made simultaneously, as soon as possible.

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 student credit card? Please note that in addition to the credit cards listed above you may have an exisiting credit card that is no longer offered to new customers. To compare rates and benefits on exisiting 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.

Financial Institution	Product (click on the links for further information)	APR charged on purchases	APR charged on cash withdrawals	Late payment fee	Minimum repayment per month
AIB	AIB mc2 Student Credit Card	15.90%	23.40%	€7.00	3% or €6.35 whichever is greater

Bank of Ireland	Student Credit Card	15.50%	23.20%	Nil	2.5% of outstanding balance

National Irish Bank	Standard Card	11.60%	11.60%	€8.50	3% of balance or €6.00, whichever is the greater
	Standalone	14.90%	14.90%	€8.50	3% of balance or €6.00, whichever is the greater

Ulster Bank	Ulster Bank Student Credit Card	17.90%	22.90%	€8.50	€5.00 or 3% whichever is greater