Options Two Credit Card
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 bank account with us.
Representative 16.9% APR (variable)
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As an Options Two credit card holder, you will receive a representative rate of 16.9% APR (variable). See our fees and charges for more information. |
Features and benefits
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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.
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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. -
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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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.
Freephone 0800 0391 140 or +44(0) 28 9033 099 when calling outside of the UK
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Cash Limits
- £5,000 Maximum Credit. (Subject to status)
- £500 Minium Credit
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Need to Know
- Minium Salary £10,000
- Aged 18 or over
- AIB NI Account holder
- Must be a UK resident
- Credit is subject to status, affordability and terms and conditions
How to Apply
Over the Phone
For the smoothest journey, call us on 0800 38 22 65† or Click the 'Call me back' button to receive a call from a customer service adviser at a time that suits you
Alternatively, 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 Options cards
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.Options Card fees, charges and important information
View the key product information on the Options Two 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.
Help and guidance
Using your Options 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.
Talk to us
Simply call 0800 38 22 65† or drop in to your nearest AIB branch. We’ll be happy to answer your questions and help find the right kind of credit card for you.
† 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.
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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.