The AIB Platinum Visa is a credit card designed for those who value flexibility, exclusive benefits, and a premium experience. In this guide, we’ll walk you through the application process and highlight key features of this financial product.
What you need to apply for the AIB Platinum Visa
✔️ Minimum age of 18 years
💲 Annual salary requirement of €40,000
🏠 Updated proof of residence (within the last 6 months)
🆔 Valid proof of identity (passport or driver’s license)
📄 Tax reference number (PPSN/TRN)
It’s essential to meet all these requirements to be eligible for approval. The bank may ask for additional documents if needed.
How to apply for the AIB Platinum Visa?
Applying for the AIB Platinum Visa is a straightforward process. Existing AIB customers can complete their application through internet banking. If you are not an AIB customer or don’t have access to internet banking, simply contact customer support by phone or visit one of the bank’s branches.
Make sure you have all the necessary documents ready and follow the steps in the application form. If your application isn’t approved right away, you can try again after a waiting period.
Managing your AIB Platinum Visa payments
You can pay off your AIB Platinum Visa bills easily through internet banking, at branches, or using ATMs. To avoid interest charges, it’s recommended to pay off the entire balance within the 56-day interest-free period. Alternatively, you can set up automatic payments for added convenience.
Costs and fees
The AIB Platinum Visa comes with a variable interest rate of 11.84% per year and an annual percentage rate (APR) of 17%. Additionally, there’s a balance transfer rate of 3.83% for the first 12 months.
An annual government stamp duty fee of €30 applies per credit card account. Delays or outstanding balances may incur additional interest charges.
AIB Platinum Visa at a glance
The AIB Platinum Visa stands out for its flexibility and rewarding benefits. Its cashback program offers a chance to earn back a percentage of your annual spending, while the Visa Luxury Hotel Collection grants access to premium experiences like room upgrades and complimentary breakfast.
Furthermore, with features like contactless payments, secure online shopping, and emergency cash services, this card is tailored for both everyday needs and special occasions.
However, it’s crucial to manage your spending wisely, as interest charges and government fees can add up if balances are not cleared on time. This card best serves those who can leverage its rewards and perks regularly.
Is the AIB Platinum Visa Right for you?
The AIB Platinum Visa is an excellent choice for those looking for a balance of flexibility, exclusive perks, and robust customer support. If you’re seeking a credit card that fits both everyday expenses and occasional luxuries, this card is worth considering. Ready to explore more? Click the button below to find out how to apply.