Read 24 September 2026 from each bank's own product pages and terms. Rates and fees change; the bank's own page is always the final word.
The short version. Fifteen personal credit cards are on sale in Ireland. Eleven pay nothing back on spending. Of the four that do, one needs €5,000 a year before it pays a cent, one pays its headline 5% for twelve months only, one costs €108 a year, and one's rate depends on a Revolut plan that can cost up to €660 a year.
The list is the Competition and Consumer Protection Commission's own credit card comparison. Every figure in the table was then read on the issuer's own website. "Cost a year" includes the €30 government stamp duty charged on every Irish credit card account.
| Issuer | Card | What it pays back | Cost a year | Introductory offer | Fee on non-euro spending |
|---|---|---|---|---|---|
| AIB | Platinum Visa | 0.5% cashback on spending between €5,000 and €50,000 a year, at most €225 | €30 | 3.83% on purchases and balance transfers for 12 months | 1.75% EEA, 2.75% elsewhere |
| AIB | CLICK Visa | None | €30 | None | 1.75% EEA, 2.75% elsewhere |
| AIB | 'be' Visa | None (spending €5,000 a year lowers the interest rate instead) | €30 | 3.83% for 12 months | 1.75% EEA, 2.75% elsewhere |
| AIB | Student Visa | None | €30 | 3.83% on purchases for 12 months | 1.75% EEA, 2.75% elsewhere |
| Bank of Ireland | Aer Credit Card | 1 Avios per €1 with Aer Lingus, 1 per €4 elsewhere; two free European return fares after €5,000 a year | €108 | 0% on purchases for 6 months or balance transfers for 7 | 2.25% |
| Bank of Ireland | Classic | None | €30 | 0% on purchases for 6 months or balance transfers for 7 | 2.25% |
| Bank of Ireland | Platinum | None | €106.18 | 0% on purchases for 6 months or balance transfers for 7 | 2.25% |
| Bank of Ireland | Student | None | €30 | 0% on purchases for 6 months | 2.25% |
| PTSB | ICE Visa | None | €30 | 0% on purchases for 3 months, balance transfers for 6 | 1.75% |
| Avant Money | Everyday+ | 5% on groceries and fuel for the first 12 months (max €25 a month), then 1% on groceries; 0.1% on everything else | €0 (stamp duty refunded) | 0% on balance transfers for 6 months | 2.65% |
| Avant Money | One Card | None (€150 once, for a €1,000+ balance transfer) | €30 | 0% on money transfers 12 months, balance transfers 9, purchases 3 | 2.65% |
| Avant Money | Reward+ | None on spending (refunds 25% of purchase interest, max €24 a statement) | €30 | Not stated | 2.65% |
| An Post Money | Classic | None | €30 | 0% on balance transfers for 12 months | 2.65% |
| An Post Money | Flex | None | €30 | 0% on purchases for 9 months | 2.65% |
| Revolut | Credit CardStandard/Plus · Premium · Metal · Ultra | RevPoints: 1.5 per €10 (Standard, Plus), 1.5 per €4 (Premium), 1 per €1 (Metal), 1.5 per €1 (Ultra) | €30, plus the plan: up to €690 a year on Ultra | 0% on purchases for 6 months | Depends on plan; Revolut's pages disagree |
Cards with a link have their own page, with every rate, cap and exclusion quoted from the issuer. Bank of Ireland's Affinity card, which donates to a university rather than paying the cardholder, is also on the checked list.
Fifteen personal credit cards are on the Competition and Consumer Protection Commission's comparison list in September 2026, from six issuers: AIB, Bank of Ireland, PTSB, Avant Money, An Post Money and Revolut. Bank of Ireland also offers an Affinity card linked to six universities.
Four of the fifteen. AIB Platinum Visa pays 0.5% on spending between €5,000 and €50,000 a year, at most €225. Avant Money Everyday+ pays 5% on groceries and fuel for the first 12 months (at most €25 a month), then 1% on groceries and 0.1% on everything else. Bank of Ireland's Aer Credit Card earns Avios: 1 per €1 with Aer Lingus and 1 per €4 elsewhere. Revolut's credit card earns RevPoints at a rate set by the Revolut plan you pay for. The other eleven pay nothing back on spending.
Every Irish credit card account is charged €30 government stamp duty a year. Most banks add nothing on top. The exceptions are Bank of Ireland Platinum (€76.18 a year, so €106.18 in total) and the Aer Credit Card (€6.50 a month, so €108 a year in total). Avant Money refunds the stamp duty on Everyday+ on the day it is charged.
As introductory offers only. Bank of Ireland's Classic, Platinum and Aer cards offer new customers 0% on purchases for 6 months or on balance transfers for 7. PTSB ICE has 0% on purchases for 3 months and balance transfers for 6. Avant One Card has 0% on money transfers for 12 months, balance transfers for 9 and purchases for 3. An Post Money Classic has 0% on balance transfers for 12 months and Flex 0% on purchases for 9. Revolut has 0% on purchases for 6 months. AIB's offers are 3.83%, not 0%.
On non-euro spending, PTSB charges 1.75%, AIB 1.75% within the Visa Europe region and 2.75% elsewhere, Bank of Ireland 2.25%, and Avant Money and An Post Money 2.65%. Revolut's own pages disagree on its fee, which depends on the plan and the day of the week.
Each card's product page, fees document and, where one exists, rewards terms were read on 24 September 2026, and the wording is quoted on the card's page. Where a bank's own pages disagree with each other, the lower figure is used and the disagreement is written down. Avant Money says both "1% after the first 12 months" and "reduced to 1% on grocery purchases", so fuel is shown at 0.1%. Nothing here comes from a comparison site, and PayperWIZ takes no commission from any bank.
Knowing the rate is not the same as remembering it. PayperWIZ holds the cards you already own and names the one to use at the till, after the monthly cap you have already used and the fee on foreign currency. It never connects to a bank. Download on the App Store.
Every Irish card the app knows, ranked by category: credit cards in Ireland by what they actually pay.