Provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender.
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*Dual Card and Balance Transfer Card important information
Balance Transfer Card
You may receive a shorter introductory balance transfer period (26 or 18 months) and a higher APR (21.9% or 24.9%) based on your individual circumstances. Balance transfers must be made within three months of account opening.
You may receive a shorter introductory purchase period of 24 months and a shorter introductory balance transfer period of 14 months. Your APR (18.9% or 22.9%) will be based on your individual circumstances. Balance transfers must be made within three months of account opening.
Applying for a credit card
Can I apply for an credit card if I am under 18?
No, you have to be aged 18 or older to apply.
Can I apply for a credit card if I live in the Channel Islands or the Isle Of Man?
No, only residents of England, Scotland, Wales and Northern Ireland can apply.
Will a credit check be made?
Yes, a credit check will be completed to ensure that the card you've applied for is right for you. This may impact your ability to get credit in the short term.
How will I know my credit limit?
If your application is successful, confirmation of your credit limit will be posted with your card. If you have applied online and received an instant approval, you'll see confirmation of your credit limit on-screen. If you've applied via phone and received an instant approval, you'll be advised of your credit limit over the phone.
Who do I contact if I do not receive my card within seven days?
Please get in touch with customer services by calling 0345 600 5606† immediately.
How can I make a balance transfer?
You can request a balance transfer when completing our credit card online application. You will need the card number of the account you wish to transfer the funds from, and the amount to be transferred. As our credit cards are provided by Bank of Ireland UK, you cannot transfer balances from any other credit card you hold that is provided by Bank of Ireland UK.
If you already hold one of our credit cards and wish to make a balance transfer, call us on 0345 600 5606† and we can do this for you. You will need the card information as above. If applicable, to benefit from the 0% interest period, this must be done within the first three months of taking out the credit card.
Note the minimum amount you can request to transfer is £100, and the maximum amount will depend on your credit limit. It may take between two and three weeks to process your application. During this time you will need to continue making payments to your original credit card until you receive confirmation that the transfer has been successful.
Where can I find more information on your credit cards?
If, for any reason, you feel you don't fully understand our credit cards or the commitment you will enter into by applying for one, it is advisable to take further time to consider your application or to discuss it with a family member or friend. If you have any further questions about the credit card or require an explanation of any of the information provided, please call us on 0800 032 2004†, and we can answer any questions you may have that could help you with your decision.
If my application is declined, how can I appeal the decision?
If your application is declined and you would like to appeal our decision, call our customer services on 0345 600 5606†. You may be asked to provide additional information to support your appeal, but there is no guarantee that this will change our original decision.
What is a Contactless payment?
Contactless is a fast, easy and secure way to pay for goods and services under £30 without entering a PIN. To make a payment, all you have to do is follow the instructions on the terminal and place your contactless card over the contactless reader.
What is the Lending Code?
The Lending Code sets standards of good lending practice which Bank of Ireland subscribes to. It provides valuable protection for you as a consumer and explains how financial institutions should deal with you day-to-day and in times of financial difficulty.
FuelSave Credit Card
How often will I get my cashback?
Your account will be automatically credited every three months in March, June, September and December each year with the cashback amount you have earned on each of the three months purchases and fuel spend at eligible retailers. The cashback you have earned will show as a credit on your monthly statement as "Rewards Cashback".
Will I earn cashback on all spend?
You can earn cashback on all purchases, amounts vary:
- You will earn 0.5% on all other spend excluding fuel If you spend £500 or over on your card the cash back will be 4% of fuel spend.
- If you spend below £500 on your card (all purchases including fuel) you will receive 2% cashback on your fuel spend.
- The maximum amount of cashback that can be earned each calendar year will be a maximum of £150.
Where do I need to purchase my fuel from to qualify for fuel cashback?
You will earn cashback on your monthly fuel spend in eligible retailers, which are service stations with fuel facilities that are identified by the Merchant Category Codes 5541 or 5542, this could also include items purchased in forecourts such as food Petrol stations within the Merchant Category Codes include, but are not limited to, BP, Tesco, Esso, Murco, Shell, Sainsbury's, Texaco, Asda, and Morrisons.
How do I qualify for my 12 months vehicle roadside Breakdown Cover?
If you are not an AA member at the time that you apply for your credit card you will qualify for 12 months AA Vehicle Roadside Breakdown Cover. You will need to activate your AA FuelSave Credit Card by making a purchase, cash withdrawal or balance transfer within the first 12 months of account opening to receive the Breakdown Cover. The Breakdown Cover is only available to the primary AA FuelSave Credit Card holder who resides at the address on the AA FuelSave Credit Card Account.
Why do I need to provide an email address to get my breakdown or MOT?
Your annual MOT offer code will be emailed to you annually from when you first activated your AA FuelSave Credit Card or at the anniversary of your Breakdown Cover.
How do I redeem my Breakdown Cover?
Redemption details will be sent by email up to 40 days after the end of the month you make your first transaction that activates the AA Credit Card. You will need to follow the instructions in the email to set up your Breakdown Cover. An offer code will be included in the email and will expire 3 months from the date of the email.
What happens after the first 12 months of Breakdown Cover?
This offer is only available for the first 12 months of cover, thereafter, if you would like to renew the price for breakdown cover will depend on level you choose at the time of renewal. A letter will be sent to you towards the end of your 12 month offer period. You will be given plenty of time to respond before your membership starts to become payable.
For the subsequent years that you hold your AA FuelSave Card you will receive annual MOTs at no extra cost.
Can I upgrade my Breakdown Cover?
Once you've activated your Breakdown Cover, you will receive your AA membership card together with the AA Vehicle Membership Roadside Breakdown Cover Terms and Conditions. You can ask to upgrade your Breakdown Cover to Personal and add on Home–Start, Relay, and Stay Mobile to your Breakdown Cover at the applicable price during the offer period.
How do I qualify for the MOT offer?
You will qualify for the annual MOT offer when you activate your FuelSave Credit Card by making a purchase, cash withdrawal or balance transfer within the first 12 months of account opening. If you are not an AA Member at the point of applying for your credit card then you will receive Breakdown Cover instead of an MOT in the first year that you hold the card. Redemption details, will be sent by email up to 40 days after the end of the month you make your first transaction that activates the credit card. You will need to follow the instructions in the email to arrange your MOT. The MOT offer code must be redeemed within 13 months of your receipt of the redemption email.
Where can I use my free MOT?
The free annual MOT check is currently provided by National Tyres and Autocare Limited, they have over 200 branches in the UK. You can search for your nearest branch here
How long do I have to redeem my free MOT?
You will qualify for a free annual MOT offer when you activate your FuelSave Credit Card by making a purchase, cash withdrawal or balance transfer within the first 12 months of account opening.
How do I redeem my free MOT?
Redemption details, including a unique offer code, will be sent by email up to 40 days after the end of the month you make your first transaction that activates the AA Credit Card. You will need to follow the instructions in the email to arrange your free MOT. The free annual MOT check is currently provided by National Tyres and Autocare Limited.
Are there any limits to the free MOT?
The free annual MOT offer is valid for a single Class 4 MOT test at National Tyres and Autocare service centres (standard rate: £54.85) or any other service centres as notified to you from time to time and must be redeemed within 13 months of your receipt of the redemption email. The vehicle presented for testing must be registered at the same home address as your FuelSave Credit Card Account and you will be required to show the FuelSave Credit Card and the offer code in order to claim the free MOT. If you are unable to do this, you may be charged for any MOT completed. Any work required to pass the MOT is not included in the offer. The unique code can only be used once and will expire on checkout.
How often will the FuelSave Credit Card fee be taken & how?
There is no annual fee for the first 12 months. After that, you will be charged an annual fee of £42 for your FuelSave Credit Card. This will consist of 12 monthly charges of £3.50, which will appear on your monthly statement as a transaction.
What if I have a query with my cashback?
If you have a query with your FuelSave Credit Card call Customer Services on 03456 005 606, who will be happy to help with any questions.
What do I do if my card is lost or stolen?
If you suspect that your credit card has been lost or stolen, or that someone else knows your PIN, please call us on 0345 600 5606† immediately.
When will I receive my PIN?
When you receive your credit card, make sure to sign the back of your card immediately. Your PIN will be sent to you after you receive your card. When you receive your PIN, memorise it and destroy any record of it. You should never tell anyone your PIN.
Can I change my PIN?
Yes, you can change your PIN at most MasterCard branded cash machines, but you'll need to know your existing PIN. If you've forgotten your PIN, call us on 0345 600 5606† and we will post you a new PIN.
What should I do if my PIN is locked, or I forget my PIN?
You always have three chances to enter your PIN correctly when you're trying to pay using your credit card. If you enter it incorrectly three times in a row, your PIN will be locked and you'll need to call us on 0345 600 5606† so we can post a new one. If you forget your PIN, again call us and we'll post a new one to you.
Servicing your account
How can I manage my account?
Use your smartphone to manage your card on the go. Our credit card servicing app is free to download and is available in iOS and Android from the dedicated app stores. Alternatively you can manage your account through our Credit Card Telephone Banking service on 0345 600 5606†.
How can I make payments to my credit card?
You can make payments to your credit card by setting up a Direct Debit. You can set this up when you are applying online for your card or by calling us on 0345 600 5606†. You can also make an instant and secure payment using the AA Credit Card mobile app; you'll need the debit card details of the account you want to make the payment from. You can also pay by phone, or by using your internet banking if your current bank or building society provides this.
How can I cancel my Direct Debit?
If you wish to cancel the Direct Debit to your credit card, you will need to contact your bank or building society directly.
How often will I receive a statement?
You will receive a statement every month, unless there are no transactions and you do not owe anything.
What can I do if I am having difficulty paying?
If you do feel you are getting into financial difficulty, it's important that you contact us on 0800 917 9157† as soon as possible so we can help. You can also find information on where to get financial advice in our Managing your finances information.
Using your card abroad
Will I get charged for spending abroad?
If you use your credit card to pay for non-sterling transactions while you are abroad, or when you make purchases made in foreign currencies online or over the phone, a 2.99% non-sterling transaction fee will be added to the sterling value. When you use your card overseas, your payment will be converted into sterling at the rate determined by the current MasterCard exchange rate at https://www.mastercard.com/global/currencyconversion/index.html.
Will I get charged for cash advances?
When you withdraw cash advances abroad using your credit card, you will be charged 2.99% of your withdrawal or £3, whichever is greater. This is in addition to the non-sterling transaction fee. If you withdraw cash abroad you'll be charged interest even if the account is paid off in full.
Online fraud prevention
What is MasterCard SecureCode?
MasterCard® SecureCode is a fraud prevention service to protect your credit card details when purchasing goods and services online from any retailer participating in the service.
How does MasterCard SecureCode work?
Once you've registered and created your own private SecureCode, you will be automatically prompted by your financial institution at the checkout to provide your SecureCode each time you make a purchase with a participating online merchant. Your SecureCode is quickly confirmed by your financial institution and then your purchase is completed. Your SecureCode will never be shared with the merchant. It's just like entering your PIN at an ATM.
What is the Card Security Code (CVC2)?
The Card Security Code (CVC2) is the last three digits that appear on the back of your card, on the signature panel. It is used as an extra security measure to make sure you are in the possession of the card you are using.
What if I have problems during the activation process?
If you have any queries during the activation process please call customer services on 0345 600 5606†.
Can I purchase at online retailers that do not participate in the MasterCard SecureCode service?
You can still use your cards with retailers that do not participate in the MasterCard SecureCode service, simply follow the normal payment process.
Managing your finances
Useful contactsThe following teams and organisations offer useful advice about debt management. They will be able to help with any questions and suggest a suitable course of action.
Citizens Advice BureauThe Citizens Advice Bureau can help you sort out money, legal or other problems by providing free advice and information. You'll find your nearest Citizens Advice office listed in the phone book. Or visit www.citizensadvice.org.uk.
Money Advice ServiceThe Money Advice Service is set up by government and offers free and impartial money advice. Telephone 0300 500 5000†, or visit www.moneyadviceservice.org.uk.
StepChange Debt CharityThis is a registered charity providing free, independent and realistic debt management advice. Telephone 0800 138 1111†. Or visit www.stepchange.org.
Debt LineThis is a free helpline for people with debt problems. Telephone 0808 808 4000†. Or visit www.nationaldebtline.co.uk.
Although not an actual debt management charity (DMC), this is the largest UK network of advice organisations. They do not give advice themselves, but they have contact details listed for most DMCs and other organisations that can help with debt problems. Telephone 0300 777 0107†. Or visit www.adviceuk.org.uk.
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Using your credit card abroad
For purchases in a foreign currency you will be charged a fee of 2.99%, including when you're shopping online or over the phone in the UK.
If you use your credit card to get cash advances, you will be charged an additional cash fee of 2.99% and a higher interest rate. If you use an ATM, the provider may also apply additional fees and cash withdrawal limits. There is no interest free period on cash withdrawals made abroad.
The table below is an illustrative example based on a euro exchange rate of 1.272535 and a €100 spend.
|Non-sterling transaction fee||2.99%||2.99%|
|Cash fee subject to a £3 minimum charge||n/a||2.99%|
Information correct as of 6 June 2016.
The exchange rate used is a sample rate provided by MasterCard. The actual rate applied will be the daily MasterCard exchange rate. This is the exchange rate set by MasterCard from time to time, as shown, where applicable, on your statement.
Check MasterCard exchange rates at mastercard.com/global/currencyconversion.
The rate on your statement will be calculated according to the rate at the time the transaction is posted to your Account.
The AA also offers a travel currency card. This is a prepaid card that does not charge an overseas transaction fee when making purchases abroad. You may also want to see our range of travel insurance.
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.
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.