Bank of Ireland Aer Credit Card: See everything you need to know

04/06/2025 • Yago Dias • Financial Management

The Bank of Ireland Aer Credit Card is a tailor-made solution for frequent travelers, especially those who are passionate fans of Aer Lingus.

Importantly, this card accepts applications from individuals with negative credit ratings, making it accessible to a broader audience.

In the following guide, we'll explore everything you need to know about this credit card and whether its the right choice for you.

Travel Rewards: Collect significant Avios, obtain fast track and priority boarding passes, lounge access, and return flights to Europe.
Travel Insurance: Comprehensive worldwide coverage including winter sports.
Interest-free Period: Up to 56 days of interest-free credit.
No Transaction Fees: Benefit from cost-effective use abroad.
Flexible Payment Options: Compatible with mobile payment solutions and offers installment options.

Join us as we explore the many features that make the Bank of Ireland Aer Credit Card a compelling option for travelers.

Benefits of Bank of Ireland Aer Credit Card

Whether you are traveling for business or leisure, this card ensures you receive excellent value for every euro spent.

Here are the standout benefits:

Travel Rewards

Earn extra Avios on Aer Lingus purchases, enjoy priority boarding and lounge access, and get two return flights to Europe.

Travel Insurance

Offers global family multi-trip insurance, making it ideal for frequent travelers and winter sport enthusiasts.

No Transaction Fees

Avoid additional costs on international purchases, making your spending seamless and cost-effective abroad.

Mobile Payments and Instalments

Use Apple Pay and Google Pay for convenience and pay off large expenses in manageable units.

Who Should Consider the Bank of Ireland Aer Credit Card?

Identifying whether the Bank of Ireland Aer Credit Card aligns with your financial habits and travel needs is crucial.

Here’s who can benefit most from this card:

Frequent flyers with Aer Lingus who can fully utilize travel rewards like priority boarding and lounge passes.
Individuals seeking a card that accepts negative credit history, providing accessibility to more users.
Travellers looking for a card with robust travel insurance coverage, making it simpler to travel stress-free.
Users who value digital solutions and contactless payments for safer and quicker transactions.

By targeting the right audience, this card can effectively maximize its benefits, ensuring satisfaction and great value for money.

Weighing the Pros and Cons of the Bank of Ireland Aer Credit Card

Every financial product has its strengths and weaknesses.

Its crucial to weigh these factors carefully to determine if the Bank of Ireland Aer Credit Card matches your needs.

Pros

Comprehensive Travel Benefits
Excellent perks for Aer Lingus regulars, including substantial Avios accumulation and exclusive travel advantages.
Cost-effective International Use
With no transaction fees, cross-border spending is more manageable.
Convenience
Mobile payment compatibility ensures ease of use.

Pros

Monthly Fees
The €6.50 monthly charge might be seen as a disadvantage for less frequent travelers.
Variable APR
A higher interest rate of 22.7% variable, which is important to consider for users who dont pay their balance in full monthly.

Why Techcoine Recommends the Bank of Ireland Aer Credit Card

At Techcoine, we strive to guide you towards financial products that enhance your lifestyle, and the Bank of Ireland Aer Credit Card does precisely that.

Here’s why we think its worth considering:

Exceptional travel rewards and benefits tailored for Aer Lingus patrons.
Flexible payment options and no transaction fees provide financial ease.
Reliable backing from Bank of Ireland and Aer Lingus, giving peace of mind.

How to Apply for the Bank of Ireland Aer Credit Card

Applying for the Bank of Ireland Aer Credit Card is straightforward.

You can initiate the process online through their official website or contact their customer service for assistance.

Remember, this card accepts individuals with a negative credit history.

Access to the bank website

Visit the Bank of Ireland website and use the online application form.
Call Bank of Ireland customer care for detailed inquiries and assistance.

Frequently Asked Questions

What travel rewards are available with the Bank of Ireland Aer Credit Card?

Enjoy 2 return fares to Europe, 2 lounge passes, and fast track & priority boarding passes, plus comprehensive travel insurance.

What are the associated fees and interest rates?

A monthly fee of €6.50 with an annual Government Stamp Duty of €30, and an APR of 22.7% variable.

How do I unlock travel rewards?

Rewards are linked to your AerClub account and can be redeemed through AerClub services.

Final Considerations

The Bank of Ireland Aer Credit Card is a remarkable choice for those who fly frequently with Aer Lingus and value travel-related perks and benefits.

With a set of features designed to enrich your travel experiences, it is a reliable companion for your journeys.

Techcoine believes in providing insights that can help financially savvy buyers make informed choices, and this card stands out with its solid offering tailored for the travel-lovers and those seeking a credit card that accepts negative credit applicants.