The AIB Platinum card has many benefits attached to it and you may find that is it the perfect card for your purposes. The use of the name platinum denotes a very good value and worth. The introductory rate of APR 3.9% is very agreeable to most consumers. Unlike most cards that have this rate for a period of three to six months this particular card will leave your rate at APR 39.% percent for a period of twelve months. This offer is good from the day your account is opened and it will apply to purchases and balance transfers. Some offers only allow these introductory rates on current purchases or only on balance transfers, but not both. This can make the card a desirable one to have for this very reason. Another benefit is that you can have up to fifty six days interest –free. The standard APR that your card will revert to is based on the current market, but at this time is 11.5%. You can see the value in this card for the short term if you need to consolidate your current cards.
Not many credit cards will accept transfers from store cards however AIB Platinum is one that will honour this particular transfer. The same rules apply at this time the APR is 3.9% for twelve months and then reverts to the current standard rate thereafter. Just this benefit may help you decide to apply for the card.
The other benefits with platinum cards extend to travel. When you are away from home you will have some form of help in a crisis. The AIB Platinum offers not only free personal accident travel insurance if you are injured on a licensed transport and you have charged at least fifty percent on your AIB card. You also have access to optional annual travel insurance for an additional cost if you travel a great deal for pleasure this can prove to be beneficial to you.
There is also something called Travelex Latitude Recovery that will provide you with even more assistance while you are travelling. If your card is lost or stolen you can expect emergency cash and or traveller’s cheques to be part of your card plan. Emergency medical information, legal referral services and messages for home will also be included. An interpretation service is available on vacation trips, but does not include business trips. This does seem to be a card that does it all and for very attractive beginning APR interest rates.
You will want to read the terms and conditions of this or any credit card you apply for. There is a fee of EUR30 charged annually per credit card account. Study the fees and charges and make sure you understand all the information. With most credit cards you will have to be eighteen years or older before you can obtain the AIB Platinum card. This card has many appealing benefits for the credit card holder and bears checking out the details.
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