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Bank of Ireland - Student Credit Card- Mastercard

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Product details

Provider:	Bank of Ireland
Product name:	Student Credit Card- Mastercard
Card type:	Mastercard
Website:	Bank of Ireland

Using your credit card abroad
Non-euro cash withdrawal:	1.75% cross-border handling fee plus 1.5% (Minimum of €2.54)^{Footnote 1 v}
Non-euro purchases fee:	1.75% of transaction value

Rates
Annual (nominal) interest rate charged on cash withdrawals:	21.36%
Annual (nominal) interest rate charged on purchases:	14.54%
APR charged on purchases:	18.1%^{Footnote 3 v}

Fees & charges
Cash in advance:	1.5% subject to a minimum of €2.54 per transaction.^{Footnote 2 v}
Late payment fee:	€0.00
Over credit card limit fee:	€0.00
Unpaid item fee:	€3.17

Introductory rate offers
Introductory rate on balance transferred:	None
Introductory rate on new purchases:	0% for first 6 months

Terms and conditions
Credit limit:	€850.00
Maximum interest-free period on cash:	56 days
Maximum interest-free period on purchases:	56 days
Minimum qualifying conditions:	Applicants must be aged 18 or over. Applicants must be students attending a full-time course. Customers must have a current account with any bank for 6 months with an average monthly turnover of €127 to qualify.
Minimum repayment per month:	2.5%

Footnotes

If account is in credit or has zero balance after cash withdrawal is processed only the cross-border handling fee will be applied. ^
No cash advance fee applies if account is in credit or has zero balance after cash withdrawal is processed. ^
This APR is based on a credit limit of €1,500 and includes the cost of €30 Government stamp duty. ^

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23/05/2013

All Information correct as at 23 May 2013

Personal Finance Queries, National Consumer Agency, 4 Harcourt Road, Dublin 2.
Lo-call 1890 432 432 (Opening hours from 9am to 6pm Monday to Friday)

National Consumer Agency