Options One Credit Card

The no hassle option for those who want extra benefits on their credit card

Get cashback with Options One

You could earn ££’s on our cashback Options One Credit Card. It’s the no hassle option for those who want extra benefits on their credit card.

This option is ideal for customers who clear their balance in full each month and who want to avail of up to 56 interest free days.

To apply you must be aged 18 or over, a resident in the UK and hold an existing First Trust Bank account.

Representative 18.9% APR (variable)

As an Options One credit card holder, you will receive a representative rate of 18.9% APR (variable).

_{See our fees and charges for more information.}

Features and benefits

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Earn cashback with our loyalty reward scheme

The more you spend on your First Trust Bank Options One card, the more you earn.

Spend at least £5,000 (excluding cash advances and refunds) in a minimum of 12 transactions over a period of 12 months and we’ll credit your account with £25, plus an additional £1 for every further £200 spent.

Maximum Cashback Loyalty Reward is £250 per annum.

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Up to 56 days interest free credit

If you pay your balance in full and on time each month, you will not pay any interest on purchases, cash advances or balance transfers.

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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.

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Contactless payments

The card is enabled for Contactless payments. When the transaction is less than £45, you can choose to touch and pay where you see the contactless symbol. For more information please click here.

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Enhanced security when shopping online with Verified by Visa/Mastercard SecureCode

Secure Internet Shopping for peace of mind when shopping online with Verified by Visa and Mastercard SecureCode.

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Choose how to pay your bill and manage your finances

You can choose from one of many ways to pay your Options credit card. You can pay by cheque, cash or by direct debit.

Telephone support is available to customers by calling on 028 9024 1822. You can also manage your credit card and pay your bill using Online, Mobile or Phoneline Banking.

If your circumstances change, you can move easily to one of our other Options Cards without the need to open a new account or receive a new card.

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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.

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How to apply

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Apply by phone or in-branch today
To apply for an Options Credit card:

Click the 'Call me back' button to receive a call from a customer service adviser at a time that suits you

Call us on 0800 38 22 65^†

Call in to any AIB 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^†.

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Important information

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Key product information on the Options cards

First Trust Bank strongly recommends 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 First Trust Bank will only lend money based on our appraisal of your ability to repay. Written quotations are available on request.

Options Card fees, charges and important information

View the key product information on the Options One card against our other Options card products.

Options Visa Credit Card terms & conditions

Mastercard Personal Credit Card terms & conditions

View the terms and conditions that apply to our Options credit cards.

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Talk to us

Simply call 0800 38 22 65^† or drop in to any AIB branch. We’ll be happy to answer your questions and help find the right kind of credit card for you.

_{^† Lines open: 9am to 5pm Monday - Friday (except on bank holidays). Calls may be recorded. Call charges may vary - refer to your service provider.}