Looking for the best Credit Cards in Ireland? We have compared 12 Credit Cards from top banks in Ireland to help you find the right one for your needs.
This guide covers fees, rates, benefits, and eligibility requirements. All data is sourced from official bank product listings and updated regularly.
Top 12 Credit Cards in Ireland (2026)
1. AIB Be Visa
Bank: AIB
- Annual Fee: No annual fee
- Interest Free Days: Up to 56 days
- Benefits: Purchase Protection, Digital Wallet, Global Acceptance, Chip/Pin, Supplementary Cards, Internet Banking
The AIB Be Visa is a versatile credit card with no annual fee, featuring introductory rates on purchases and balance transfers with up to 56 days interest-free. It supports contactless and mobile paym
2. AIB Click Visa
Bank: AIB
- Annual Fee: No annual fee
- Salary/Eligibility: 18
- Interest Free Days: Up to 56 days
- Benefits: Purchase Protection, Digital Wallet, Global Acceptance, Chip/Pin, Supplementary Cards, Internet Banking
The AIB Click Visa is a no-annual-fee credit card with up to 56 days interest-free on purchases. It supports contactless payments and mobile payments via Google Pay and Apple Pay, with full online acc
3. AIB Platinum Card
Bank: AIB
- Annual Fee: No annual fee
- Cashback: Cashback awards on purchases
- Interest Free Days: Up to 56 days
- Benefits: Purchase Protection, Digital Wallet, Lifestyle Privileges, Global Acceptance, Chip/Pin, Supplementary Cards
The AIB Platinum Visa Card is a premium credit card with no annual fee, offering cashback awards on qualifying purchases and up to 56 days interest-free. It features introductory rates on both purchas
4. BOI Aer Credit Card
Bank: Bank of Ireland
- Annual Fee: EUR 6.50 per month (EUR 78 per year)
- Interest Rate: 14% variable (APR 22.7%)
The Bank of Ireland Aer Credit Card, in partnership with Aer Lingus, converts spending into travel rewards including 2 return flights to Europe, 2 lounge passes, and worldwide travel insurance. It car
5. BOI Classic Visa
Bank: Bank of Ireland
- Annual Fee: No annual fee
- Interest Rate: 16.12% variable (APR 22.1%)
- Benefits: Chip/Pin
The Bank of Ireland Classic Visa is a no-annual-fee credit card offering 0% introductory interest rate offers, no transaction fees, and the ability to add cardholders for free. Approvals typically hap
6. BOI Platinum Card
Bank: Bank of Ireland
- Annual Fee: EUR 76.18 per year
- Interest Rate: 13.79% variable (APR 19.6%)
- Benefits: Chip/Pin
The Bank of Ireland Platinum Card features the lowest interest rate among BOI credit cards at 13.79% variable (APR 19.6%), worldwide travel insurance, and 0% introductory offers. It has a EUR 76.18 an
7. PTSB Gold Card
Bank: Permanent TSB
- Interest Rate: 1.38% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Lifestyle Privileges
Gold card with travel insurance, extended warranty, and enhanced purchase protection.
8. PTSB ICE Visa
Bank: Permanent TSB
- Interest Rate: 1.38% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Standard Visa with competitive rates, purchase protection, and PTSB mobile banking integration.
9. PTSB Platinum Card
Bank: Permanent TSB
- Interest Rate: 1.38% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium card with airport lounge access, comprehensive travel insurance, and lifestyle benefits.
10. Revolut Metal
Bank: Revolut Ireland
- Interest Rate: 1.38% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Premium metal card with cashback, unlimited lounge access, comprehensive travel insurance, and concierge.
11. Revolut Premium
Bank: Revolut Ireland
- Interest Rate: 1.38% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
Enhanced card with travel insurance, airport lounge access, and higher exchange limits.
12. Revolut Standard
Bank: Revolut Ireland
- Interest Rate: 1.38% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Purchase Protection, Digital Wallet, Chip/Pin, Supplementary Cards
Free digital card with interbank exchange rates, instant spending notifications, and budget tools.
How to Choose a Credit Card in Ireland
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Regulation — all products listed are from banks regulated by central bank
Frequently Asked Questions
What is the best Credit Card in Ireland for 2026?
The best option depends on your needs and spending. Compare all 12 options listed above using the View Full Details button. Consider fees, rates, rewards, and eligibility.
What are the eligibility requirements?
Requirements vary by bank and product tier. Generally you need a valid ID, proof of income, and an existing bank relationship. Premium products may require higher minimum salary.
Can I apply online?
Many banks in Ireland now offer online applications. Click View Full Details on any product to check application options.
Are there any hidden fees?
Always read the full terms. Common charges include annual fees, late payment fees, foreign transaction fees, and cash advance fees. All known fees are listed on each product detail page.
What payment methods are popular in Ireland?
Besides cards, popular payment methods include cards and digital payments.
Compare all Credit Cards in Ireland →
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How We Compare Best Credit Cards in Ireland 2026
Our editorial team reviews each credit card based on annual fees, interest rates, rewards programs, eligibility requirements, and user reviews. We update this comparison regularly to reflect the latest offers from banks in Ireland. Data is sourced from official bank websites and verified against regulatory filings where available.
Buzdy compares products from 527 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
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