Bank of Ireland Aer Credit Card cashback rate, cap and annual fee
Bank of Ireland Aer Credit Card pays 0.8% at Aer Lingus products and services and 0.2% on everything else. The card costs EUR 108 a year.
Bank of Ireland · Ireland · catalogue v101
Read from Bank of Ireland's own published terms on 24 Sep 2026.
EUR 108Annual fee
0.8%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| Aer Lingus products and servicestravel | 0.80% | —1 Avios for every EUR 1 on Aer Lingus products and services: flights, bags, seats, onboard meals, lounge access, priority boarding, Heathrow Express. |
| everything else | 0.20% | —1 Avios for every EUR 4 on all other purchases except excluded transactions (cash, balance transfers, gambling, fees, interest, stamp duty). |
Avios on top of AerClub, and a fee that decides whether they are worth it. Bank of Ireland's terms: "For every EUR 1 you and/or any Additional Cardholder spend using the Credit Card on Aer Lingus Products and Services you will collect 1 Avios", and 1 Avios for every EUR 4 on everything else except excluded transactions. Aer Lingus spend means flights, bags, seats, onboard meals, lounge access, priority boarding, Heathrow Express and onboard sales bought from Aer Lingus. The fee is EUR 78 a year (12 monthly charges of EUR 6.50) plus EUR 30 government stamp duty, shown here as EUR 108. Spend EUR 5,000 in a reward year and two free return fares to a European destination follow; two lounge passes and two fast-track passes come every year regardless. The card must be linked to an AerClub account, and only the primary cardholder can redeem. Bank of Ireland states no value for an Avios. Its pages do not name the network; the Competition and Consumer Protection Commission lists it as Mastercard, as are all Bank of Ireland's other personal cards. A 2.25% cross-border handling fee applies to non-euro transactions. Source: Bank of Ireland Aer Credit Card pages and Aer Travel Rewards terms (37-1455R.4), read 24 Sep 2026.
Questions people ask
What cashback does the Bank of Ireland Aer Credit Card pay?
0.8% at Aer Lingus products and services and 0.2% on everything else.
Is there a cap on the Bank of Ireland Aer Credit Card?
No monthly cap is published on the rates shown here.
What is the annual fee on the Bank of Ireland Aer Credit Card?
EUR 108 a year.
Knowing the rate is not the same as remembering it
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