AIB Platinum Visa Card: use it anywhere, anytime and get cashback

The Platinum Visa Card is the most premium card that is offered by Allied Irish Bank (AIB). It offers a lot of exclusive benefits. Those are;

  • Introductory Annual Interest Rate: The AIB Platinum Visa Card provides an introductory annual interest rate of 3.83% (variable), and you can transfer your balance for the first 12 months. After 12 months, the annual interest rates will go back to the standard rate of 11.84% (variable). The balance transfer offer applies to store cards or non-AIB cards. The total amount of balance transfers must not exceed €5,000.
  • Zero Annual Bank Fee: The AIB Platinum Visa Card comes with no annual bank fee, but you have to pay a government stamp duty annually, which is €30.00.
  • Avoid Paying Interest: If you clear your payment fully on time each month, you can avoid paying interest. You will get up to 56 days of interest-free credit.
  • Free Second Platinum Card: You can add one additional cardholder to your AIB credit card. The cardholder must be a family member who resides at your address and a minimum of 16 years old.
  • Contactless Payment: When the transaction is less than €50, you can choose to pay contactless.
  • Mobile Payments: You can pay for your purchases quickly using the mobile payment option. Simply for the items that cost €50 or less with Google Pay or Apple Pay. For items over €50, depending on the retailer, you can pay using Google Pay or Apple Pay.
  • Cash Back: On spending over €5,000 to €50,000 in any 12 months from the date of your account opening, you will receive 0.5% cashback. Cashback awards are calculated every month and credited to your account every month.
  • Visa Luxury Hotel Collection: AIB Platinum Visa cardholders get a unique collection of benefits from the Visa Luxury Hotel Collection. The set of benefits is designed to ensure guests have an amazing experience. The AIB Platinum Visa card ensures the best available rate guarantee with automatic room upgrades upon arrival, if available. You will get complimentary in-room Wi-Fi, daily continental breakfast, food or beverage for $25 daily, VIP Guest status, and check-out at 3 p.m. upon request. The Visa Luxury Hotel Collection has the finest hotels, from boutique gems to world-famous resorts. 
  • Custom Credit Limit: You can request an increase in your credit limit by using AIB Internet Banking.
  • Custom Repayment: The AIB Platinum Credit Card gives you the freedom to decide how much you want to repay from the minimum amount of 3%, or €6.35.



You can have a Platinum Visa Card only if you have a good source of income. According to your income source type, you need to submit the required documents. 


For PAYE employees:

  • The salary requirement is €40,000;
  • The bank statements of last three months, showing your salary;
  • If your salary is mandated to a joint account, you need to submit your last three months’ worth of pay slip;
  • A document to prove your PPSN;
  • If you already have another credit card, submit your last three months’ credit card statements;
  • If your employment age is less than 6 months, you need to submit a copy of a signed contract confirming your income.

For the self-employed:

  • Income must be €40,000;
  • Bank statements of last three months, showing your income;
  • A document to prove your PPSN;
  • Your most recent Notice of Assessment, Balancing Statement, or UK Tax Returns;
  • Income confirmation written by an accountant;
  • Up-to-date financial statements;
  • If you already have a credit card, submit your last three months’ credit card statements.

For retired persons

  • Income must be €40,00;
  • Bank statements for the last three months show up in your pension.;
  • If you already have a credit card, you need to submit your last three months of credit card statement;.
  • A document to prove your PPSN;
  • Document from your pension provider showing your income.

About the bank

AIB is one of the market leaders in Ireland for credit cards. Presently, it has 3.2 million+ customers. Since 1966, AIB has been serving its users with a lot of financial products. AIB ‘be’ visa card, click credit card, platinum visa card, student visa card are the four cards that is offered by AIB.

AIB offers your personal car leasing, car loans, home improvement loans, green personal loans, and mortgages on a fixed rate, a green fixed rate, and a variable rate. AIB also has some insurance for your protection, convenience, and complete peace of mind. You can invest your money in AIB’s financial advice service to become financially secure.  

You can save regularly for your retirement with AIB in a flexible way. You can contribute a minimum amount to the pension scheme. Check out other AIB cards (‘be’CLICK, Student)


Who is this card for

The Platinum Visa Card is the most premium credit card that AIB offers. To have this card, you must have an income of €40,000. This card offers cashback on spending and exclusive benefits on hotels from their luxury hotel collection. So, those who love to travel can surely have this premium card.


Step by step to apply for the card

If you are a non-AIB customer or do not have an AIB internet banking account, you can call them at 0818 724 725. They offer a “call me back” service. You can request a callback by filling out their form, which is available on the website. You can choose your preferred time, or you can visit their local branch with the necessary documents. They have more than 170 branches across Ireland. 

If you are an existing customer willing to change your existing card to another credit card, you can apply via an internet banking account. Simply visit their website and log in with the registration number, personal access code (PAC), and phone or card reader. You will find the charges, terms, and conditions detailed on their website.

Positives and negatives of the AIB Platinum Visa Card

The platinum visa card from AIB comes with many benefits, such as

  • 0.5% cashback;
  • Exclusive benefits at Visa luxury hotels;
  • Using abroad with a good exchange rate;
  • There is no annual bank fee;
  • Introductory annual interest rate;
  • Up to 56 days of interest-free credit;
  • 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 €40,000;
  • 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 platinum visa card.

Contact Details

Office: 10 Molesworth Street, Dublin 2, Ireland, Opening Hours: 09:00-17:00

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

(Credit or Debit Card Issue), Opening Hours: Mon – Sun: 09:00 to 17:00

Lost & Stolen Cards:


Social Media: Facebook, Twitter. Linkedin 


AIB is the most popular bank in Ireland. AIB is headquartered in Dublin, Ireland. AIB provides financial products and services through their 170 branch offices, ATMs, and online to individuals in Ireland, the US, and the UK. Despite facing many ups and downs in the past, AIB still offers market-leading benefits to its users.

The AIB Platinum Visa Card will make your day-to-day life easier with all the exclusive offerings. Market-dominating interest rates and benefits like introductory interest rates, cashback, and unique hotel offerings ensure a platinum visa card can be the best choice that anyone has.