The no frills option with our lowest APR
This product was withdrawn from sale on 1st February 2019. There are no interest free days with this option. If you currently are an Option 3 customer and wish to swap to Options 1 or Options 2 please contact us.
Representative 14.9% APR (variable)
Features and benefits
No interest free credit days
There is no interest free period for this option.
You will pay interest on purchases, cash advances or balance transfers from the date the transactions debit your account.
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.
Enhanced security when shopping online with Verified by Visa/Mastercard SecureCode
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.
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.
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.
View the key product information on the Options Three card against our other Options card products.
View the terms and conditions that apply to our Options credit cards.
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.