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May 2006

Credit Cards

INTEREST RATES (APR)


Best Worst
Bank of Scotland National Irish Bank PermanentTSB Ryanair Ulster Bank American Express
Ireland Blue
Interest Rates on 9.5% 9.9% 9.9% 16.9% 17.9% 18.9%
Purchases (APR)
Interest Rates on Cash 11.2% 9.9% 11.6% 18.7% 19.7% 19%
Advances (APR)
Product name ‘Plastic’ Freedom or Easy ‘Ice’ ‘Ryanair.com Credit Card’ ‘Classic’ ‘Blue’
bank a/c packages

Card type VISA MasterCard VISA VISA MasterCard or VISA American Express

Late payment fee €7 €8.50 €0 €15.24 €8.50 €12.70

Handling charges for cash €1.90 (min) or 1.5% * €2 (min) or 1.5% €2 (min) or 1.5% * €1.90 (min) or 1.5% * €2.54 (min) or 1.5% * €2.54 (min) or 1.5%
advances of the value of the transaction of the value of the transaction of the value of the transaction of the value of the transaction of the value of the of the value of the transaction
transaction

Non-euro FX transaction 1.75% 1.75% 1.75% 2.65% 2% 1.5% (cash) or 1.75% (purc)
fee of the value of the transaction of the value of the transaction of the value of the transaction of the value of the transaction of the value of the of the value of the transaction
transaction

Overlimit fee €7 ? €0 €12.70 €8.50 €10.16

Returned payment fee €7 ? €4.44 €19.05 €3 €5.08

Introductory offers 0% for 6 months 0% for 5 months 2.9% for 6 months 1.9% for 6 months 0% for 9 months 9.9% for 6 months
on balance transfers and on balance transfers and on balance transfers on balance transfers and on balance transfers and on balance transfers and on
on all purchases on all purchases Free bonus European flight on all purchases all purchases
w/ first purchase

Other information -- No specific income criteria -- This credit card is marketed -- No specific income criteria -- No specific income criteria -- No specific income criteria -- Issued by Bank of Ireland
requirements as part of NIB’s bank a/c requirements requirements requirements -- 1% MoneyBack, free Purchase
-- Apply by post, by phone or in packages. You have to open -- Apply online, by post, by -- Terms and conditions apply to -- Spend €6,000+ on your Protection Insurance and free
a branch one of these accounts to avail phone or in a branch free bonus flight offer credit card in 2006 and Travel Accident Insurance
of credit card offer. receive €40 reward on your included.
* Cash advance handling fee is * Cash advance handling fee is -- Ryanair credits programme
also applied when the a/c has -- A standalone VISA card is NOT applied when the a/c has gives discounts at selected card -- Minimum income of €19,000
a positive balance available from NIB with an APR a positive balance retailers. Each credit earned = €1 -- Apply by post or in a required
of 10.2% on purchases. credited to the card branch
-- Apply in branch only. -- Apply online or post * Cash advance handling fee
* Cash advance handling fee is is also applied when the a/c
also applied when the a/c has a has a positive balance
positive balance

Some of those in between:


AIB Platinum 10.9% APR || Ulster Bank Zinc, EBS Member, MBNA Gold 12.9% APR || Bank of Ireland Gold Advantage, MBNA Platinum 13.9% APR
Tesco 14.9% APR || AIB be 16.9% (13.9%) || Bank of Ireland Advantage 16.8%
May 2006
INTRODUCTORY OFFERS
Best Worst
Bank of Scotland Ulster Bank Tesco National Irish Bank EBS American Express
Ireland (Royal Bank of Scotland) Blue
Introductory offers 0% for 6 months 0% for 9 months 0% for 6 months 0% for 5 months 10.9% 9.9% for 6 months
on balance transfers and on balance transfers and on balance transfers and on balance transfers and on balance transfers and on on balance transfers and on
on all purchases on all purchases on all purchases on all purchases all purchases all purchases

Interest Rates on 9.5% 17.9% 14.9% 9.9% 10.9% 18.9%


Purchases thereafter (APR)
Interest Rates on Cash 11.2% 19.7% 16.7% 9.9% 12.6% 19%
Advances thereafter (APR)
Product name ‘Plastic’ ‘Classic’ -- Freedom or Easy Member Card ‘Blue’
bank a/c packages

Card type VISA MasterCard or VISA VISA MasterCard VISA American Express

Late payment fee €7 €8.50 €6.35 €8.50 €15.24 €12.70

Handling charges for cash €1.90 (min) or 1.5% * €2.54 (min) or 1.5% * €2.54 (min) or 1.5% * €2 (min) or 1.5% €1.90 (min) or 1.5% * €2.54 (min) or 1.5%
advances of the value of the transaction of the value of the transaction of the value of the transaction of the value of the transaction of the value of the transaction of the value of the transaction

Non-euro FX transaction 1.75% 2% 1.75% 1.75% 2.65% 1.5% (cash) or 1.75% (purc)
fee of the value of the transaction of the value of the transaction of the value of the transaction of the value of the transaction of the value of the transaction of the value of the transaction

Overlimit fee €7 €8.50 €6.35 ? €12.70 €10.16

Returned payment fee €7 €3 €4.44 ? €19.05 €5.08

Other information -- No specific income criteria -- No specific income criteria -- No specific income criteria -- This credit card is marketed -- Issued by MBNA -- Issued by Bank of Ireland
requirements requirements requirements as part of NIB’s bank a/c -- No specific income criteria -- 1% MoneyBack, free Purchase
-- Apply by post, by phone or in -- Spend €6,000+ on your credit -- Apply by post or by phone packages. requirements Protection Insurance and free
a branch card in 2006 and receive €40 -- €40 in Tesco Shopping -- Apply in branch only. -- Must be an EBS member Travel Accident Insurance
* Cash advance handling fee is reward on your card Vouchers when open an a/c -- A standalone VISA card is included.
-- Apply online, by post, by
also applied when the a/c has -- Apply by post or in a branch before 14 May 2006 available from NIB with an APR phone -- Minimum income of €19,000
a positive balance * Cash advance handling fee is -- Earn Tesco Clubcard points of 10.2% on purchases. required
* Cash advance handling fee is
also applied when the a/c has * Cash advance handling fee is ? Bank staff member was also applied when the a/c has a -- Apply online, by phone or in a
a positive balance also applied when the a/c has unable to supply this positive balance branch
a positive balance. Credit card information.
limit still applies even if card is
in credit. RBS do not
recommend loading cash onto
card in advance of overseas
travel.

Some of those in between:


AIB be 0% on balance transfers for 6 mo AND 6.9% on purchases for 12 mo
Permanent TSB 2.9% on balance transfers for 6 mo
Bank of Ireland Advantage (and Gold Advantage) 2.9% on balance transfers for 12 mo OR 0% on purchases for 6 mo
MBNA Platinum, Ryanair 1.9% on balance transfers for 6 mo
May 2006
FEES, PENALTIES & CHARGES

Best Worst
Bank of Ireland PermanentTSB AIB Ulster Bank American Express MBNA
Blue Ryanair
EBS Member
One Direct
Late payment fee €0 €0 €3.81 €8.50 €12.70 €15.24

Handling charges for cash €2.54 (min) or 1.5% * €2 (min) or 1.5% * €1.90 (min) or 1.5% * €2.54 (min) or 1.5%* €2.54 (min) or 1.5% €1.90 (min) or 1.5% *
advances of the value of the transaction of the value of the transaction of the value of the of the value of the of the value of the of the value of the transaction
transaction transaction transaction

Non-euro FX transaction 1.5% (cash) or 1.75% 1.75% 1.75% - 2.75% 2% 1.5% (cash) or 1.75% 2.65%
fee (purc) of the value of the transaction of the value of the of the value of the (purc) of the value of the transaction
of the value of the transaction transaction transaction of the value of the
transaction

Overlimit fee €0 €0 €2.54 €8.50 €10.16 €12.70

Returned payment fee €3.17 €4.44 €4.44 €3 €5.08 €19.05

Other information -- Apply online, by post, by -- Apply online, by post, by -- Apply online, by phone or -- Spend €6,000+ on your -- Issued by Bank of Ireland -- All issued by MBNA
phone or in a branch phone or in a branch in a branch credit card in 2006 and -- 1% MoneyBack, free * Cash advance handling fee is
* Cash advance handling fee is * Cash advance handling fee is -- Non-euro FX charges = receive €40 reward on Purchase Protection also applied when the a/c has
NOT applied when the a/c has NOT applied when the a/c has 1.75% within Europe, 2.75% your card Insurance and free Travel a positive balance
a positive balance a positive balance rest of world -- Apply by post or in a Accident Insurance included.
* Cash advance handling fee branch
is NOT applied when the a/c * Cash advance handling
has a positive balance fee is also applied when
the a/c has a positive
balance

CREDIT CARD PROVIDERS REVIEWED:


AIB www.aib.ie 01 6685500 National Irish Bank www.nib.ie (call local branch)
American Express (Blue Card) www.bankofireland.ie 1890 400455 PermanentTSB www.permanenttsb.ie 1890 500121
Bank of Ireland www.bankofireland.ie 1890 365365 Ryanair www.ryanair.com
Bank of Scotland Ireland www.bankofscotland.ie 1800 882700 Tesco www.tesco.ie/finance/visacards/ 1800 555743
EBS www.ebs.ie 1850 654321 Ulster Bank www.ulsterbank.ie 1800 946932
MBNA www.mbna.ie 1800 409510

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