AIB ‘be’ Visa Card: a credit card for unexpected purchases

The AIB ‘be’ Visa Card is the most popular card by AIB Bank in Ireland. This card comes with a lot of benefits for its users. Those are:

  • Using abroad: You can use your card abroad with a very good exchange rate for non-Euro EU/EEA currencies.
  • Fees and benefits: The main advantage of having a ‘be’ visa card that is offered by Allied Irish Banks is the lower annual interest rate. The best thing is that the interest rate is calculated based on how much you spend in 12 months.
  • Introductory annual interest: You can enjoy an introductory annual interest rate on purchases and balance transfers of 3.83% for the first 12 months. At the end of those 12 months, the annual interest rates will be changed to the standard rate.
  • Spend more with lower interest: When you spend €5,000 or more in 12 months, the minimum annual interest rate will be approximately 14.16%. However, the higher annual interest rate of 16.79% (variable) will be applicable if your purchases do not exceed €5,000 in 12 months.
  • Avoid paying interest: The other benefit you will receive as a ‘be’ card user is that if you fully clear your balance within 56 days, you can avoid paying interest.
  • Additional cardholder: You can add one of your family members as an additional cardholder to your AIB Credit Card. The family member you want to add must reside at your address.
  • Contactless payment: You can choose to touch and pay when you make a transaction for less than €50.
  • Mobile payment: You can pay for your purchases using Google Pay and Apple Pay for items that cost €50 or less.
  • Spread your repayments: You can decide how much you want to repay from the minimum amount of 3% or €6.35 from the full payable balance.
  • No annual bank fee: Users annually have to pay the government stamp duty, which is €30.00 per credit card account, and other charges may apply. 
  • Emergency cash service: In an emergency, if you lost your credit card or it was stolen abroad, you will be secured with an emergency fund of up to US$5,000.00, depending on your credit limit.



The credit facilities are not available to persons under 18 years of age. To get an AIB ‘be’ Visa Card, you must have an income source, and the minimum salary requirement is €16,000. You need to submit several documents. According to your income source, the requirements of the document may vary.


If you are a PAYE employee:

  • Bank statements for the last three months showing your salary;
  • If your salary is mandated to a joint account, submit the last three months’ pay slips;
  • Pay slip or letter from the government showing your PPSN;
  • Last three months’ credit card statements, if you have another one;
  • If your employment period is less than 6 months, you will need to submit a copy of your signed contract or letter of employment confirming your income.

If you are self-employed: 

  • Your last three months’ bank statements;
  • A letter from the government showing your PPSN;
  • Your most recent Notice of Assessment (NOA), Balancing Statement, or UK Tax Returns;
  • Confirmation written by accountant of income or up-to-date financial statements;
  • Last three months’ credit card statements, if you have another one.

If you are a retired person:

  • Your pension is paid in the last three months’ statements;
  • Last three months’ credit card statements, if you have another one;
  • A government letter showing your PPSN;
  • A document from your pension provider showing how much you get paid each year from these pensions If you have more than one pension. 

About the bank

Allied Irish Bank, also known as AIB, is the most popular and largest bank in Ireland. AIB is the largest bank with over 170 branches in Ireland. They offer a wide range of personal, business, and corporate banking services, along with insurance and pension facilities. AIB is controlled by the Central Bank of Ireland.

Allied Irish Banks Limited was formed in 1966. As a new company, Allied Irish Bank acquired three Irish banks: the Provincial Bank of Ireland, the Royal Bank of Ireland, and the Munster & Leinster Bank. Check out other AIB cards (Platinum, CLICK, Student)


Who is this card for

As discussed above, the AIB ‘be’ Visa Card is for those who are 18 years old and have some sort of income. An employee who is working somewhere, someone who is self-employed, or a retired person with a pension and who has a minimum income of €16,000 can apply for the AIB ‘be’ card with the necessary documents. 

Step by step to Apply for the AIB ‘be’ Visa Card

Applying for an AIB ‘be’ Visa Card is very simple. You will find the charges, terms, and conditions on their website.

If you are a non-AIB customer or do not have an AIB internet banking account, you can call them on 0818 724 725, or you can request a call back by filling out their call me back form. You can also select your preferred time, or you can visit their local branch with the proper documents.

They have more than 170 branches across Ireland.

If you are an existing customer and looking to change it to other credit card products, you can apply via an internet banking account. Simply go to their website and log in with the registration number, personal access code (PAC), and phone or card reader.

 Positives and Negatives of the AIB ‘be’ Visa Card.

The ‘be’ card from AIB comes with many benefits, such as

  • Using your card abroad with a good exchange rate;
  • There is no annual bank fee;
  • Introductory annual interest rate on purchases for the first one year;
  • Interest-free for up to 56 days;
  • 24/7 Internet banking;
  • Contactless payments;
  • Mobile Payments;
  • Secure Internet Shopping;
  • Emergency Cash Service;
  • They offered to call me back for service. 

But there are some drawbacks, and those are:

  • The minimum age requirement is 18;
  • Minimum salary requirements of €16,000;
  • No cash-back awards;
  • Have to submit a lot of documents.

Comparing all the benefits, the drawbacks are very minimal. So, you will benefit much more by having an AIB’s ‘be’ card.

Contact Details

Office: 10 Molesworth Street, Dublin 2, Ireland, opening hours: 09 a.m-5 p.m;

Phone: 0818 724 724, +353 1771 2424 (Outside Ireland),  +353 1668 5500;

Lost & Stolen Cards:;


Social Media: Facebook, Twitter. Linkedin.


AIB is the most popular bank in Ireland. It leads the market in terms of interest rates and benefits like introductory discounts, good exchange rates, no banking fees, and many more for its customers. 

If you are an employee, self-employed, or retired person with an income of €16,000, AIB’s ‘be’ will be the best choice.