WealthGuide
18 January 2025•Credit Cards

Travel Perks with Credit Cards in Ireland: What You Need to Know

Credit cards in Ireland offer a range of travel perks that can enhance your journeys, whether you're a frequent flyer or an occasional traveler. These benefits can include free flights, travel insurance, airport lounge access, and loyalty rewards.

By WealthGuide

Credit cards in Ireland offer a range of travel perks that can enhance your journeys, whether you’re a frequent flyer or an occasional traveler. These benefits can include free flights, travel insurance, airport lounge access, and loyalty rewards. Here’s an overview of the key travel-related advantages available to Irish credit cardholders.

Key Travel Perks Offered by Irish Credit Cards

  1. Avios Points and Free Flights

    • The Bank of Ireland Aer Credit Card is one of the most popular options for travelers in Ireland. It allows you to earn Avios points on your spending, which can be redeemed for flights with Aer Lingus and other partners. For example:
      • Spend €5,000 annually to qualify for two free return flights within Europe (taxes and fees apply).
      • Collect extra Avios when using the card for Aer Lingus purchases or through linked partners like hotels and car rentals.

  2. Airport Fast Track and Lounge Access

    • Some credit cards, such as the Aer Credit Card, provide two Fast Track security passes and two lounge passes annually at selected Irish airports. These perks help you save time and relax before your flight.

  3. Comprehensive Travel Insurance

    • Many premium cards include worldwide multi-trip travel insurance as part of their benefits. For instance:
      • The Bank of Ireland Platinum Card offers travel insurance when at least 50% of your trip fare is paid using the card.
      • The Aer Credit Card includes family travel insurance, covering winter sports as well.

  4. Flexible Payment Options

    • Cards like the AIB Platinum Visa allow you to spread the cost of large purchases with installment plans, which can be helpful for booking expensive trips.

  5. Exclusive Experiences

    • As a Mastercard customer in Ireland, you gain access to “Priceless Cities,” offering unique travel experiences such as VIP event tickets or exclusive dining offers abroad.

Costs to Consider

While these perks are attractive, it’s essential to weigh them against the associated costs:

  • Annual fees: Premium cards often come with fees (e.g., €78 annually for the Aer Credit Card).
  • Government Stamp Duty: All Irish credit cards are subject to a €30 annual stamp duty.
  • Spending thresholds: Some rewards, like free flights, require significant annual spending (e.g., €5,000 for the Aer Credit Card).

Is It Worth It?

Travel-focused credit cards can be beneficial if you:

  • Frequently fly with airlines like Aer Lingus.
  • Value perks such as lounge access and fast-track security.
  • Pay off your balance in full each month to avoid high-interest charges.

However, if you’re an occasional traveler or don’t meet spending thresholds, these cards may not provide sufficient value compared to their costs.

Final Thoughts

Irish credit cards with travel perks are ideal for those who plan their spending strategically and enjoy traveling regularly. Before applying for a card, assess your travel habits and financial needs to ensure you maximize these benefits without incurring unnecessary costs.