The Bank of Ireland AER is more than just a credit card. With it, your purchases can be converted into travel rewards and other exclusive perks. In this article, we’ll walk you through the application process, requirements, and everything you need to know to make the most of your card.
Requirements to apply for the Bank of Ireland AER:
✔️ Minimum age of 18.
✔️ Proof of residency in Ireland.
✔️ Minimum annual income of €16,000.
✔️ Good credit history.
Necessary documents:
📄 Valid photo ID (passport, driver’s license).
📄 Recent proof of address (utility bill).
📄 Proof of income (pay slip, bank statement).
Please note that approval depends on meeting the requirements, and the bank may request additional documents if necessary.
How to apply for the Bank of Ireland AER Credit Card?
The application process is entirely online and straightforward. New customers need to fill out the form on the Bank of Ireland’s official website and submit the required documents, such as proof of identity and income. Once submitted, the bank will review your application and contact you regarding approval.
If you’re already a Bank of Ireland customer, the process is even simpler. Log in to the customer portal, complete the application form with your credentials, and track the status directly through your online account. If your application is denied, you can reapply after a set period.
How to pay your monthly bills?
The Bank of Ireland AER credit card offers multiple payment options for flexibility and convenience. Customers can choose to set up automatic debit payments, pay via online banking, or directly at the bank’s branches. It’s recommended to pay the full balance by the due date to avoid interest and extra fees.
Fees and costs
The Bank of Ireland AER card has a monthly fee of €6.50, along with an annual government stamp duty of €30. International transactions carry a 2.25% fee on the transaction amount, while cash withdrawals incur a 1.5% fee, with a minimum charge of €2.54 per transaction.
Late payments are subject to a monthly fee of €7.50, so it’s crucial to stay on top of your payments.
Is the Bank of Ireland AER credit card worth it?
The Bank of Ireland AER stands out for its travel-related perks, such as free return flights after spending €5,000 annually and priority access at airports. For frequent travelers, these benefits offer a high level of comfort and convenience. Additionally, accumulating Avios points on every purchase allows you to redeem flights and services, adding even more value to the card.
However, it’s essential to consider whether you will fully benefit from these features. If you don’t travel often or make use of the priority boarding and lounge access, the fees may not justify the card’s cost. Therefore, it’s worth analyzing your personal needs before deciding.
Benefits and considerations
The Bank of Ireland AER is an excellent choice for those looking for a credit card loaded with travel perks. With a strong rewards program, including free flights and Avios points, it provides real advantages for users. However, it’s essential to keep an eye on the associated fees, such as the monthly charge and international transaction costs.
To maximize the benefits of your Bank of Ireland AER card, it’s advisable to monitor your spending and plan your travels in advance to secure free flight availability. If travel perks are a priority for you, this card could be the perfect companion for your lifestyle.
Ready to get your Bank of Ireland AER?
Have you discovered how easy it is to apply for the Bank of Ireland AER and start enjoying its exclusive benefits? Click the button below to visit the official website and find out all the details about rates, features, and the application process.