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Low Rate Credit Card

Starts low, remains low

Enjoy a low interest rate plus no annual fees

Low Rate Credit Card

Enjoy a low rate. Plus no annual fees with our Low Rate Credit Card.

Enjoy a low rate. Plus no annual fees with our Low Rate Credit Card.

Card offer:
  • From 6.5% p.a. (variable) interest on purchases and balance transfers.
  • A 2.99% balance transfer fee applies.
  • No annual fee.
important information:
  • Your personal APR will be dependent on your personal circumstances. You may receive a different APR of 10.4% or 14.9% depending on your individual circumstances.
  • Pay on time each month and stay within your credit limit to avoid additional charges.
Please read before applying:

Charges and summary box

Terms and conditions

Representative example:

Representative (variable):

6.5% APR 

Purchase rate (variable):

6.5% p.a.

Assumed credit limit:



No annual fee

Manage your card

Make a payment, check your balance, update your details and more
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Need some help?

0800 032 2004†

Lines are open Monday to Friday 8am to 8pm, Saturday 9am to 5pm, bank holidays 10am to 5pm.

Report a card lost or stolen

0800 028 8997

From abroad: 0044 800 028 8997

Lines are open 24/7. If we detect potential fraud on your account, we'll contact you securely by text or email.

Bank of Ireland UK adheres to the Standards of Lending Practice which are monitored and enforced by the Lending Standards Board.

Please read the Statement of Lender and Borrower Responsibilities which sets out our key responsibilities.

† 0800: Calls to 0800 numbers are normally free from UK landlines and mobile phones.

AA Financial Services Limited (AAFS) acts as a credit intermediary and introduces customers to Bank of Ireland (UK) plc only as its exclusive credit card issuer.

AA Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales (912211). The AA Credit Card is provided by Bank of Ireland (UK) plc. Registered Office: Bow Bells House, 1 Bread Street, London EC4M 9BE. Bank of Ireland (UK) plc is incorporated in England and Wales (7022885). Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc.