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Credit Cards

Credit Cards are a means of financing day to day purchases. However, this type of finance is expensive. Typically, rates that banks charge on a credit card are higher than that on other loans, say mortgages. Government stamp duty is charged on credit cards at €40 per annum.
The criteria for judging which card is best for you can be based on APR, balance transfers or other offers depending on you circumstances. We have used APR.

There are 20 credit card providers in Ireland.

Financial Institution	Product	APR % charged on purchases	APR % on cash withdrawals
Financial Institution	(click on the links for further information)	APR % charged on purchases	APR % on cash withdrawals
AIB	'be' Credit Card	15.15% or 18.15%1	19.92%
	Platinum	11.50%	13.17%
American Express	American Express Blue4	19.10%	20.20%
Bank of Ireland	Platinum Advantage	14.9%7	16.5%7
	2 in 1	15.90%	17.40%
EBS	Member8	10.90%	16.70%
First Active	First Active MasterCard	12.90%	20.10%
GE Money	Debenhams MasterCard	17.90%	19.90%
Halifax	Halifax Credit Card	9.50%	11.20%
MBNA	Standard	16.90%	19.90%
	Platinum	13.90%	19.90%
National Irish Bank	Standard Card9	10.20%	10.20%
	Gold10	9.40%	9.40%
One Direct	Standard11	16.90%	19.90%
	Platinum11	13.90%	19.90%
Permanent TSB	ICE	9.90%	11.60%
Tesco Personal Finance	Classic	14.90%	16.70%
Ulster Bank	Standard	16.50%	20.70%
	Zinc	13.40%	17.50%