AIB Click Visa Credit Card: Check everything you need to know

04/12/2025 • Bruno Anderson • Financial Education

The AIB Click Visa Credit Card is a financial tool tailored to provide you with flexibility and control, making it ideal for handling both everyday purchases and unexpected expenses.

With one of the lowest Annual Percentage Rates (APRs) in Ireland, this card offers incredible value—especially for individuals looking to maintain better financial health.

One of the standout features of the AIB Click Visa Credit Card is its welcoming nature to a broader audience, even those who may have less-than-perfect credit histories.

Low variable APR of 13.6% to 13.8%.
No annual bank fee (subject to government stamp duty).
Up to 56 days interest-free credit when balanced paid in full monthly.
Emergency cash and international Visa acceptance.
Can be managed conveniently online.
Allows individuals with previous financial difficulties to apply.

Let’s delve into the rich array of features, benefits, and crucial information you should know about the AIB Click Visa Credit Card to make an informed decision.

Benefits of the AIB Click Visa Credit Card

The AIB Click Visa Credit Card is packed with a variety of benefits that cater to different financial needs.

Whether you prefer managing your finances on the go or are interested in making the most of international shopping, there is something for everyone.

Competitive Low Interest Rates

Enjoy one of the lowest APRs on the market, at 13.6% to 13.8%, making it easier to manage repayments.

Annual Fee Savings

No annual bank fee means you'll only pay the government stamp duty of €30 annually, making this card economical.

Interest-Free Period

With up to 56 days interest-free, you can manage repayments efficiently if you settle the full balance monthly.

Emergency Cash Service

Avail emergency cash advances within 48 hours anywhere globally if your card is lost or stolen, ensuring peace of mind during travels.

Convenient Online Management

AIB Internet Banking lets you control credit limits and keep track of expenses online with unprecedented ease.

Family-Friendly Additions

Add cardholders at no extra cost, providing a hassle-free way to manage family expenses together.

Secure Online Shopping

Visa Secure protects your online transactions, making digital payments safer and secure.

Who Can Benefit from the AIB Click Visa Credit Card?

The AIB Click Visa Credit Card offers a valuable solution for a wide array of potential cardholders, adapting to diverse financial circumstances and needs.

This card is especially beneficial for:

Individuals with an annual income over €16,000 residing in Ireland.
Those in need of a credit card that accepts applicants with previous financial challenges.
Young professionals and students starting to build or rebuild their credit history.
Frequent travelers requiring global acceptance and secure transactions.

Overall, this card appeals to income earners who want a reliable and economical credit option with manageable debt repayment solutions.

Pros and Cons of the AIB Click Visa Credit Card

While the AIB Click Visa Credit Card is an excellent financial tool for many, it is important to weigh its positives against the potential downsides to ensure it meets your individual needs.

Pros

Low APR on Purchases
With a variable interest rate between 13.6% and 13.8%, its one of the most affordable options available.
No Annual Fee (Excluding Government Duty)
Only the government-imposed stamp duty applies annually, helping minimize costs.
Extended Interest-Free Period
Up to 56 days of interest-free credit when the balance is paid in full monthly.
Emergency Financial Flexibility
The card supports emergency cash services and is Visa-accepted globally.
Online Account Management
Effortless control over your cards finances via AIB Internet Banking, including credit limit adjustments.

Pros

Government's Stamp Duty Cost
The mandatory €30 annual fee imposed by the government.
Foreign Transaction Fees
Charges include 1.75% within Eurozone and 2.75% for other currencies, which may add up for frequent travelers.
Variable APR
While currently low, variable rates mean potential future increases.
No Introductory 0% Offers
Lacks promotional interest-free periods on purchases or balance transfers seen with some other cards.
Minimum Repayment Requirements
Low minimum repayments mean interest could accumulate if not paid off monthly.

Why Moneylova Recommends AIB Click Visa Credit Card

At Moneylova, we are passionate about offering diverse financial solutions that cater to varying needs, and the AIB Click Visa Credit Card stands out for several reasons.

We believe it uniquely positions itself as a consumer-friendly choice, particularly given its low APR and flexible repayment options, making it suitable for those aiming to keep their credit costs low.

Inclusion of applicants with previous financial difficulties, opening doors for credit rebuilding.
Low-interest rates facilitating affordable debt management.
Convenient digital management aligning with modern financial strategies.
Emergency cash availability enhancing financial security abroad.

How to Apply for the AIB Click Visa Credit Card

Applying for the AIB Click Visa Credit Card has been streamlined via AIBs platforms to ensure ease and accessibility for all potential cardholders.

Access to the bank website

Phone: (01) 6685500 for local inquiries
Phone: +353 1 6685500 for overseas inquiries
AIB Internet Banking platform for direct applications

Frequently Asked Questions About AIB Click Visa Credit Card

Who can apply for the AIB Click Visa Credit Card?

Generally, its available to Irish residents with a minimum annual salary of €16,000 who are registered with AIB Internet or Phone Banking. Eligibility varies for student card applications.

What is the minimum repayment required monthly?

The minimum repayment is either 3% of the outstanding balance or €6.35, whichever amount is higher.

What options exist for emergency cash if the card is lost abroad?

Emergency cash can be accessed within 48 hours, subject to credit availability and related fees, ensuring youre not stranded without funds.

Are there foreign transaction fees on international use?

Yes, a 1.75% fee applies for transactions within the Eurozone, whereas a 2.75% fee applies to non-Euro transactions.

Can cardholders request a credit limit increase?

Indeed, you can request an increase in your credit limit using AIB Internet Banking.

Final Considerations: Why AIB Click Visa Credit Card Is a Solid Choice

Balancing low interest with international convenience, the AIB Click Visa Credit Card delivers comprehensive benefits for financially savvy individuals.

Whether you are looking to rebuild your credit, access global benefits, or simply seek a reliable alternative to higher-cost credit options, this card meets varied demands efficiently.

At Moneylova, we are confident in recommending this product to customers who prioritize financial flexibility and responsibility in their credit solutions.