Best Credit Cards in Ireland — Compare 12 Cards
Every credit card we can verify as issued in Ireland — 12 cards from 4 banks — with the minimum salary, annual fee, interest rate and salary-transfer rule each bank publishes. Filter them below, or use the guided finder.
Best credit cards in Ireland — our picks
One card per job, chosen by a stated rule, with the number that wins it. No bank holds two slots while another qualifies.
No annual fee, and at 11.84% a year it is among the cheaper cards to carry a balance on.
Chosen by: Zero or permanently waived annual fee, then the lowest published interest rate. Picked from 4 qualifying cards.
View on aib.ie Opens AIB's own page for this card
You do not have to move your salary to this bank.
Chosen by: Bank does not require your salary to be transferred to it, then the lowest minimum salary. Picked from 6 qualifying cards.
View on ptsb.ie Opens Permanent TSB's own page for this card
Airport lounge access for EUR 78 a year.
Chosen by: Publishes airport lounge access, then the lowest annual fee. Picked from 4 qualifying cards.
View on personalbanking.bankofireland.com Opens Bank of Ireland's own page for this card
At 9.11% a year this is the cheapest published rate we hold for this market — it only matters if you revolve a balance.
Chosen by: Lowest published monthly interest / profit rate in this market. Picked from 12 qualifying cards.
View on aib.ie Opens AIB's own page for this card
Pays cashback on everyday spend; the bank does not publish a single headline percentage we can verify.
Chosen by: Highest published headline cashback rate. Picked from 3 qualifying cards.
View on revolut.com Opens Revolut Ireland's own page for this card
Accepts a monthly salary from EUR 1,333 — the lowest published requirement in our data for this market.
Chosen by: Lowest published minimum monthly salary. Picked from 6 qualifying cards.
View on personalbanking.bankofireland.com Opens Bank of Ireland's own page for this cardCompare all 12 Ireland credit cards
Figures are as each bank publishes them. 6 of 12 cards state a minimum monthly salary, 6 state an annual fee, 12 state an interest or profit rate and 6 state whether a salary transfer is required. A dash means the bank does not publish that figure — not that it is zero.
Default ranking: cards are ordered by how much of the decision they let you make — how many of the four numbers (minimum salary, annual fee, rate, salary transfer) the bank publishes, then how many benefits are documented, then user rating. It is not a paid placement and it is not alphabetical. Use the sort links in the table header to rank by fee, rate or salary instead.
Showing 12 of 12 cards.
Every figure comes from the issuing bank's own published terms, stored per card. Country attribution uses the product's own market, not the bank's branch footprint, so a multinational's Hong Kong catalogue never appears here. Interest and profit rates are annualised figures as published; a few banks quote a monthly rate instead, so confirm the basis with the issuer before you compare two cards on rate alone. 12 of these 12 cards link straight to the bank's own page for that card; the rest link to the bank's site or to our card record. We do not have an application relationship with most of these issuers and do not pretend to. Verify the current terms with the bank before you apply.
Prefer to be asked?
Four questions — salary, spending, and what matters most — and we shortlist five of the 12 cards above for you.
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We'll show cards available in your country
More about credit cards in Ireland
The 12 cards compared above are every credit card we can attribute to Ireland itself, from 4 issuing banks — a card is counted here only when the product's own market and the issuing bank agree, so a multinational's catalogue from another country is never folded in. Figures are in EUR as published by each bank.
Banks we track in Ireland
Keep going in Ireland
Guides for Ireland
Ireland — frequently asked questions
Which credit cards have no annual fee in Ireland?
AIB Click Visa (AIB), AIB Platinum Card (AIB), AIB Be Visa (AIB), BOI Classic Visa (Bank of Ireland) are among the 4 cards in our Ireland data with a zero or waived annual fee.
What is the best cashback credit card in Ireland?
We track 3 cashback cards in Ireland. AIB Platinum Card from AIB publishes: Cashback awards on purchases. The right one depends on where you actually spend — the finder above ranks them for your profile.
What salary do I need for a credit card in Ireland?
Published minimum income requirements in our Ireland data include Minimum Qualifying Salary: €16,000; Minimum Qualifying Salary: €40,000; Salary requirement €16,000. Enter your salary above and the finder only shows cards you meet the stated requirement for.
How does the card finder pick a card?
It scores every card we hold for Ireland against your salary, your biggest spending category and whether you want cashback, miles, no fee or a Shariah-compliant card, then shows the top five with the reasons for each.
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Disclosure: this is a paid partner link. Buzdy may earn a commission if you sign up, at no extra cost to you — it never affects our rankings.