Allied Irish Bank (GB) Classic Credit Card
The Allied Irish Bank (GB) Classic Credit Card offers up to 56 days interest free credit alongside secure, contactless payment technology. It is designed for responsible spenders who can clear their balance each month.
Allied Irish Bank (GB) Classic Credit Card is a credit product designed with the aim of providing secure spending power for everyday transactions. It grants customers the flexibility to benefit from up to 56 days interest free credit when they pay off their outstanding balance in full by the due date. With a representative variable APR of 24.3%, this card balances the advantages of short-term interest-free use with the option to manage repayments over time if required.
The card is available exclusively to existing customers of Allied Irish Bank (GB) who are 18 years or older and maintain a regular income. This eligibility requirement ensures that applicants have an established financial history with the bank, allowing for responsible credit use. Built with features that support contactless payments, secure online shopping and a range of repayment options, the card has been structured to offer convenience and security for day-to-day financial management.
Benefits
The Allied Irish Bank (GB) Classic Credit Card comes with a range of benefits aimed at making everyday spending more manageable and secure.
- Interest free credit for up to 56 days when the balance is cleared on time
- Contactless payment capability for transactions under £100
- Secure online shopping with additional verification to protect cardholders
- Flexibility in repayment methods, including cheque, cash or direct debit
- Emergency cash service available abroad with 24/7 telephone support
- Competitive annual fee of only £8
Prerequisites
To apply for the Allied Irish Bank (GB) Classic Credit Card, applicants must meet specific requirements. You must be at least 18 years old and hold an existing account with Allied Irish Bank (GB) that reflects a regular income. Additionally, you will be required to provide proof of identity and address if these details are not already on file with the bank. Such documentation may include a passport, driving licence, or a recent utility bill.
About the Allied Irish Bank
Allied Irish Bank has a longstanding reputation in the banking sector, being recognised for its commitment to customer service and financial reliability. With decades of experience in personal and corporate banking, the bank has built its legacy on providing secure and innovative financial products. Its operations in Great Britain are characterised by a focus on responsible lending and customer support, ensuring that every product is backed by robust regulatory standards and a history of trust. The bank’s presence in the market has grown steadily over the years, with a continued commitment to digital banking solutions and personalised financial advice.
Who is this card for?
The Allied Irish Bank (GB) Classic Credit Card is ideally suited for customers who consistently manage their finances and are capable of settling their balance in full each month. It is targeted at individuals who value secure and contactless payment options, along with the benefit of extended interest free periods for their everyday purchases. This card is well-suited to those who appreciate the combination of traditional banking stability and modern digital conveniences. Furthermore, the product is intended for responsible spenders who have an established income and a track record of prudent financial management.
What rewards and programs does the card offer?
While the card does not offer an extensive rewards scheme such as cashback or miles, it does provide significant value through its secure transaction protocols and extended interest free period. The key advantages include:
- The ability to enjoy up to 56 days of interest free credit when the balance is paid off in full
- A user-friendly interface for managing repayments with flexible options ranging from a minimum payment of 3% or £5 (whichever is greater) to settling the full outstanding balance
- Access to secure online shopping measures that verify the cardholder’s identity, adding an extra layer of protection against fraud
This focus on financial control and security ensures that customers are not only managing their expenditure wisely but are also protected when shopping online or travelling abroad.
Initial credit limit
The initial credit limit on the Allied Irish Bank (GB) Classic Credit Card is determined based on a customer’s income and creditworthiness, with the bank ensuring that each limit is tailored to an individual’s financial situation. Typically, the card offers:
- Minimum credit limit: The lower threshold is set to provide essential spending power for everyday transactions
- Maximum credit limit: The upper limit is flexible and is determined following a careful assessment of the customer’s credit history and income level
These limits are designed to offer sufficient credit for daily expenses while encouraging responsible financial management.
Step by step to apply for the card
- Verify your eligibility by ensuring you are at least 18 years old and an existing customer of Allied Irish Bank (GB) with a regular income.
- Gather all necessary documentation, such as proof of identity (passport or driving licence) and address (utility bill or similar).
- Download the application form from the official website or request a copy via post.
- Complete the application form, ensuring all details are accurate and up-to-date.
- Print and sign the completed form before sending it to Allied Irish Bank (GB) at their designated address: 92 Ann Street, Belfast, BT1 3HH.
- Await confirmation from the bank, which will include details of your credit limit and further instructions for card activation.
Card’s pros’ and cons’
The Allied Irish Bank (GB) Classic Credit Card is distinguished by its long interest free period and secure payment options. The extended interest free period of up to 56 days is particularly advantageous for those who are able to clear their balance in full each month. Furthermore, the card’s contactless payment capability ensures convenience, especially for small daily transactions. The robust security measures in place for online shopping also enhance the card’s appeal, as they offer additional verification to protect against unauthorised use.
On the other hand, the card comes with a representative APR of 24.3% (variable), which means that if the balance is not cleared in full, interest can accumulate rapidly. The annual fee of £8, while modest, is an additional cost that must be considered by potential applicants. Moreover, the requirement for the applicant to be an existing customer of Allied Irish Bank (GB) may limit access for those who have not previously engaged with the bank’s services. As with any credit product, it is essential for potential users to evaluate their own spending habits and repayment capabilities before applying.
How to unlock the card?
Upon receiving the Allied Irish Bank (GB) Classic Credit Card, the process of unlocking it is straightforward yet secure. Once the physical card arrives by post, the holder must follow the instructions provided in the accompanying documentation. This typically involves calling a dedicated telephone support line or accessing a secure online portal where the card can be activated. The unlocking process may require verification of personal details, such as the cardholder’s name, address, and date of birth, to ensure that the card is being activated by the authorised recipient. This step is crucial in safeguarding against unauthorised use and ensures that the card is fully operational before it is used for transactions. The activation process is designed to be user-friendly, ensuring that even those who are not technologically inclined can complete it with ease.
Fees and tariffs
The cost structure associated with the Allied Irish Bank (GB) Classic Credit Card is clearly defined to ensure transparency. Key fees and tariffs include:
- Annual fee: A fixed charge of £8 is levied each year for maintaining the card.
- Interest rate: A representative APR of 24.3% (variable) applies if the balance is not paid in full by the due date, with interest calculated daily from the posting date.
- Minimum repayment: Customers are required to pay at least 3% or £5 (whichever is greater) of the outstanding balance.
- Emergency cash service fees: Charges may apply when accessing emergency cash abroad, subject to the available credit limit and specific service terms.
These fees are designed to provide clarity to cardholders regarding the costs incurred and to help them manage their finances more effectively.
Customer service
Allied Irish Bank (GB) offers a range of customer service channels to assist cardholders with any queries or issues related to the Classic Credit Card. The available support options include:
Phone number – For general queries, customers can contact Allied Irish Bank (GB) at 028 9023 6644, with lines open from 9am to 5pm Monday to Friday (excluding Bank Holidays). Additionally, for application or product-specific enquiries, a dedicated number is available at +44 (0)345 600 5204.
Website – Further information, including FAQs and secure online banking services, is available on the official website.
Email – Customers may also send enquiries via email using the contact details provided on the bank’s website.
Online chat – An online chat service is accessible through the bank’s website, offering real-time assistance during operating hours.
About the author
As a journalist passionate about digital content, I create strategic texts for various niches. I believe in the power of clear and accessible information, and my goal is to simplify complex topics while promoting free access to knowledge that can improve people’s everyday lives.
