Credit Card Interest Rates - Purchases
Rates last reviewed 23 April 2026
Card Type |
Annual Purchase Interest Rate (variable) |
*Representative Annual Percentage Rate (variable) |
Options One |
9.11% |
18.9% |
Options Two |
15.72% |
16.9% |
Student Visa |
12.20% |
12.9% |
Visa Gold |
0% |
0% |
Ascent Visa |
9.48% |
34.7% |
**Options Three |
13.97% |
14.90% |
**Options Four |
6.70% |
6.90% |
**AIB Visa Card |
20.64% |
22.7% |
*Representative APR is based on the following example : you use the full £1,200 credit limit when you open (including any annual card fee),make no further spending, and repay in equal monthly repayments over 12 months. The interest rates stays the same throughout.
The Representative APR helps you compare this card with other credit card products, using the same example credit limit and usage for illustration.
**These products is no longer available for new applications.
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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.