'be' Visa/MasterCard

The 'be' credit card isn’t just for the big purchases. The 'be' Visa/MasterCard will reward customers who spend EUR5000 or more in a 12 month period with a lower APR. The 'be' Visa/MasterCard is tailored for everyday customers using it for everything from buying groceries to buying petrol.

Features

Variable APR's

This is the most unique feature of the card. With the 'be' Visa/MasterCard we reward you with a lower APR based on how much you spend in a 12 month period.

• First of all, as a new AIB credit card customer you will receive an introductory APR of 3.9% on purchases for 12 months from account opening.
• After one year, the lower APR, currently 15.15% (variable) applies to cardholders with purchases equal to or exceeding EUR5000 in a 12-month assessment period. *
• The higher APR, currently 18.15% (variable) applies to cardholders with purchases not exceeding EUR5000 in a 12-month assessment period.

* Incur any two instances of Late Payment, Returned Payment and Over Limit Charge within a 12-month assessment period and interest will be charged at the higher APR from the next statement date, regardless of spend. The account spend and penalty fee counters will be reset and a new 12-month assessment period will commence from the next statement date.

Introductory 3.9% APR Balance Transfer

For all new AIB cardholders an APR of 3.9% will be applied on Balance Transfers for 12 months from the date your credit card account is opened. Applies to balances transferred from store cards or non-AIB cards. All Balance Transfers will be included in the total amount of purchases during the assessment period of the Balance Transfer. The total sum of Balance Transfers must not exceed EUR5,000.

More 'be' Credit Card Features -  View more 'be' Visa/MasterCard features in our Related Information section.

Additional Optional Insurance Products - View additional product options in our Related Information section

Who Can Apply?

• AIB Customers or non-AIB Customers without AIB Internet Banking: Apply by selecting the 'Apply Online' link in the Next Steps section above
• AIB Internet Banking Customers: Apply by selecting the 'Apply for ‘be’ on AIB Internet Banking' link for a faster response

Note: The APRs are variable and correct as at 9th March 2009.

Important/Regulatory Notice

Lending criteria, terms and conditions apply. Credit facilities are subject to repayment capacity and financial status and are not available to persons under 18 years of age. Government stamp duty of EUR30 is charged annually per credit card. AIB Insurance Services Limited is regulated by the Financial Regulator.

AIB strongly recommends that before purchasing this product that you view the Important/Regulatory Information in our Important Information section.

• Important Information
• 'be' Visa/MasterCard Terms and Conditions

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