Visa Gold Card
Designed for those who look for more spending power
Increased spending power for you
The Visa Gold Card offers you increased spending power for all your travel, entertainment and other expenses.
This credit card is ideal for customers who want to pay their balance in full each month.
To apply you must be aged 18 or over, a resident in the UK and hold an existing bank account with us.
Representative 0% APR (variable)
As a Visa Gold card holder, you will receive a representative rate of 0% APR (variable).
Representative Example: If you had a credit limit on your card of £1,200, you used your full limit to make a single card purchase immediately after receiving your card and you repaid this in full, by direct debit, by the payment due date advised to you on your first monthly statement at an interest rate of 0% variable, (Representative 0% APR variable), the total amount you will pay back is £1,200.00.
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See our fees and charges for more information. |
Features and benefits
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No annual fee
There is no annual fee.
Other fees and charges may apply for certain transactions and services, such as withdrawing cash, transferring your balance, using your card abroad, or ordering a copy statement or voucher.
Please see our fees and charges for more information. -
Straightforward settlement
This card is settled in full by direct debit each month.
A statement showing details of the transactions and any outstanding balance is issued on a monthly basis and this amount is automatically debited to your nominated account a few days after the statement is received.If you miss this payment, you will be subject to interest and fee charges. Please see our fees and charges for more information.
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Contactless payments
The card is enabled for Contactless payments. When the transaction is less than £100, you can choose to touch and pay where you see the contactless symbol. For more information please click here.
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Secure Online Shopping
When you're shopping online, we may need to confirm that it's really you using your card. This is to keep your card secure. To find out how click here.
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Telephone support
If you have a query on your account, our customer service staff are available on 028 9024 1822 (or +4428 9024 1822 from abroad). We're here to help.
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More Visa Gold Card features and benefits
Emergency cash service (fees and charges may apply)
If your card is lost or stolen abroad, you can avail of the emergency cash service (up to USD $5000 - subject to your available credit limit) and telephone support 24 hours a day, 7 days a week.
Freephone 0800 0391 140 or +44(0) 28 9033 099 when calling outside of the UK
Easy access to cash
You can use your Visa Gold Card along with your Personal Identification Number (PIN) to withdraw cash at any cash machine or over the counter at any outlet that offers this service (known as a 'manual cash advance’) where Visa Credit is accepted at home and abroad. Annual cash interest rates and fees and charges apply. Please see our fees and charges for more information.
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Cash Limits
- £30,000 Maximum Credit. (Subject to status)
- £5,000 Minium Credit
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Need to Know
- Minium Salary £30,000
- Aged 25 or over
- AIB NI Account holder
- Must be a UK resident
- Credit is subject to status, affordability and terms and conditions
How to Apply
To apply you can:
- Download, complete / type online, print and sign the application form and return to AIB (NI), 92 Ann Street, Belfast, BT1 3HH, or return the form to your nearest AIB (NI) branch
- Visit your nearest AIB (NI) branch
We will need to see proof of your identity and address (such as your passport, driving licence and a gas or electricity bill) if we do not already hold this information or if we cannot electronically identify you (for telephone applications only).
If you are not sure what proof of identity and address we accept, click here or speak to a customer service adviser on 0345 6005 925†.
Important information
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Key product information on the Visa Gold Card
We strongly recommend that before applying for this product you review the documentation below. It's important that you understand the fees and charges and the terms and conditions before taking out your new credit card.
As a responsible lender we will only lend money based on our appraisal of your ability to repay. Written quotations are available on request.
Visa Gold Card fees, charges and important information
View the key product information on the Visa Gold Card.Gold Visa Credit Card terms & conditions
View the terms and conditions that apply to the Visa Gold Card.
Talk to Us
Simply call 0345 6005 925† or drop in to any AIB branch. We’ll be happy to answer your questions.
† Lines open: Monday - Friday 09:00 - 17:00 (except on bank holidays). Calls may be recorded. Call charges may vary - refer to your service provider.
Help and guidance
Using your card abroad
Find out more information on where you can use your card and on how to notify us if you are planning to use your card abroad.
Frequently asked questions
Find out the answers to the most common questions we are asked about our credit cards.
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AIB Group (UK) p.l.c. is covered by the Financial Services Compensation Scheme, Financial Ombudsman Service and is a Registered Firm with The Lending Standards Board.
The AIB logo and AIB (NI) are trade marks used under licence by AIB Group (UK) p.l.c. incorporated in Northern Ireland. Registered Office 92 Ann Street, Belfast BT1 3HH. Registered Number NI018800. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.