The perfect option for those who want flexibility and real value
Get flexibility with Options Two
Options Two is the perfect choice for those who sometimes like to pay the balance in full, but at other times such as Christmas and holidays, like to avail of further credit. This option offers real value and flexibility with up to 51 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 16.9% APR (variable)
Features and benefits
Up to 51 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.
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.
How to apply
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†.
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 Two 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.