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Big changes appear to be coming to the Aer Lingus credit card

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If you live in Ireland, you are able to apply for the Bank of Ireland Aer Credit Card from Aer Lingus, which earns Avios.

Whilst there is no announcement yet on the Bank of Ireland website, the card appears to be undergoing a complete overhauled later this year. The document showing the details has now been removed from the website however.

Here is the official website for the card.

Aer Lingus Bank of Ireland credit card

What benefits does the Aer Credit Card currently offer?

What you have at the moment is an airline card with a very low level of mileage earning but which is strong on benefits.

This makes sense in an environment of capped interchange fees, but clearly isn’t working too well in terms of attracting customers.

This is what you CURRENTLY get:

Avios benefits:

  • 1 Avios for every €4 you spend on the card
  • 1 Avios for every €1 you spend with Aer Lingus

Non-Avios benefits:

  • Two free Aer Lingus tickets EVERY YEAR for spending €5,000 on the card.  You receive two free tickets to any European Aer Lingus destination from Dublin, Cork, Shannon or Belfast.  You need to pay taxes, fees and charges.  The vouchers are triggered as soon as you hit €5,000 and are valid for 12 months.  
  • Two Fast Track and Priority Boarding passes every year when travelling on Aer Lingus.  Nice to have, but not hugely valuable.
  • Two lounge passes.  Each year you get two lounge passes to use at Dublin, Cork, Shannon or Belfast.  This is worth €60+.
  • Worldwide multi-trip travel insurance for a family including winter sports.  ‘Free’ travel insurance from banks tends to vary from good to pretty useless.  The insured limits appear to be low but it does cover you up to the age of 80.  Bank of Ireland claims that the policy is ‘worth’ €385.  I am sure that comparable cover could be found for less although it may well justify the annual card fee.

Note that there is no sign-up bonus. Occasionally there will be a 5,000 Avios incentive but nothing is running at the moment.

review aer lingus aerclub avios credit card bank of ireland

The ‘two free tickets per year’ benefit had some interesting quirks:

  • Aer Lingus was blocking out two seats per flight for cardholders, separate to the Avios reward allocation
  • You could only redeem by putting in a request for specific dates and routes – someone at Aer Lingus would then manually check your request and email you back
  • Tickets came with a free carry-on bag but you had to pay for checked baggage
  • You had to book at least 30 days before travel
  • Taxes and charges were still due, which took away most of the value at off-peak times
  • There were a lot of blackout dates which reduced your opportunity to redeem at peak times and get genuine value

What is changing?

Bank of Ireland has asked us not to quote the specific details of what was in the document due to regulatory issues, since nothing has yet been communicated to customers.

However, if the changes are as outlined we will see:

  • an improvement in the Avios earn rate
  • a change to the policy of ‘no sign-up bonus except during promotions’
  • a big change in the benefits package, which would see the annual benefits for cardholders skewing more sharply towards additional Avios rewards

It looks surprisingly good and I don’t think existing cardholders will be disappointed if this is the actual package that is launched. Some of our UK readers may even be a bit jealous.

Conclusion

If the eventual benefits package turns out to be what was leaked, it will substantially increase the value offered by the Aer Lingus credit card.

It would be especially good for AerClub elite members, who get little benefit from most of the ‘soft’ benefits of the existing package because they are already included.

For now, the package as advertised on the Bank of Ireland website remains unchanged and there is no published date for changes to go live.


How to earn Avios from UK credit cards

How to earn Avios from UK credit cards (April 2025)

As a reminder, there are various ways of earning Avios points from UK credit cards.  Many cards also have generous sign-up bonuses!

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

Get 5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

There are two official British Airways American Express cards with attractive sign-up bonuses:

British Airways American Express Premium Plus

30,000 Avios and the famous annual 2-4-1 voucher Read our full review

British Airways American Express

5,000 Avios for signing up and an Economy 2-4-1 voucher for spending £15,000 Read our full review

You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points. These points convert at 1:1 into Avios.

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points, FREE for a year & four airport lounge passes Read our full review

The Platinum Card from American Express

80,000 bonus points and great travel benefits – for a large fee Read our full review

Run your own business?

We recommend Capital on Tap for limited companies. You earn 1 Avios per £1 which is impressive for a Visa card, and the standard card is FREE. Capital on Tap cards also have no FX fees.

Capital on Tap Visa

NO annual fee, NO FX fees and points worth 1 Avios per £1 Read our full review

Capital on Tap Pro Visa

10,500 points (=10,500 Avios) plus good benefits Read our full review

There is also a British Airways American Express card for small businesses:

British Airways American Express Accelerating Business

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

There are also generous bonuses on the two American Express Business cards, with the points converting at 1:1 into Avios. These cards are open to sole traders as well as limited companies.

American Express Business Platinum

50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

20,000 points sign-up bonus and FREE for a year Read our full review

Click here to read our detailed summary of all UK credit cards which earn Avios. This includes both personal and small business cards.

Comments (27)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • BJ says:

    I guess they’ve missed something or you’ve missed something 🙂 Let’s see when the new dwal goes live.

    • sohan says:

      I reckon it’s not going to last long. It costs 865 eur to buy 40000 avios at the moment from EI. They will quickly raise the spend threshold and drop the free avios to 20k. BOI are making massive profits so they can offer this, but that won’t last.
      I also suspect the staff who had to administer the old system were one of the loudest voices for change! What a faff that was, classic EI.

      • BJ says:

        My guess is the fee is what’s wrong and it’s going to change.

      • polly says:

        Sohan. Don’t be giving them ideas!
        Well l hope that difference in purchasing v earning price is not brought to anyone’s attention just yet! 2 big banks in it, BOI and AIB. They might start out doing each other at some point to attract the avios market. I guess you then have Ulster Bank out there too.
        But it’s a brave move for BOI. For now.

        • BJ says:

          I don’t think they’re so dim Polly but then again look at the article on Expedia OneKey today so who knows. I wish the best for your family and other ROI readers that this comes to pass as per article.

          • Polly says:

            Ha BJ. Tongue in cheek there. Yes, it would be a wonderful improvement for ROI and EI avios enthusiasts. It was time though. Gold Circle then aerclub not been great really, down through the years. Ours friends and families over there have watched in wonder at some of our trips, esp those from Dublin on both QR and BA. They really wished for something like this initiative.
            Also, as it’s not Amex, their cards are accepted everywhere, so avios can easily mount up. Here, we need two cards for our collecting. As you say, here’s hoping.

        • sohan says:

          BOI probably have exclusivity agreement so doubt there’ll be competition. If anything the only real competition is RevPoints. I think that’s what made them jump. Also Ulster left the market this year…

  • Tariq says:

    I guess if you can spend EUR5000 before Oct then you’d apply now, get the current benefits including booking the free flight, and then bank the 5000 Avios reward bonus in Jan and the new benefits from Oct onwards?

    • Polly says:

      That’s definitely a consideration Tariq. Smart thinking. Will now advise my lot to start collecting properly, as all their spend will count. Not having Amex at their fingertips has been very frustrating these past few years.

    • Rob says:

      Yes

  • Polly says:

    I can’t find anything on obtaining a supplementary card either. Would be useful for couples. So only one annual fee to pay. Definitely would attract more punters. They’re so used to being charged for credit cards over there with NO rewards at all!.

    • flying high says:

      you can have a supplementary card for free

    • JDB says:

      Yes, you can have up to three additional cardholders with no extra monthly charge (and no additional stamp duty).

  • JDB says:

    @Rob – when you ask about how the new rewards are affordable for BoI, the bank has the advantage (as Barclays does in the UK) of being a key player in the whole credit card processing fee chain.

    • Nick says:

      … with EI having a major commercial contract with AIB and at a point in time when another part of IAG (BA) has just signed a contract with them too. Not entirely surprising that BOI wants to remain in the game.

  • Myler says:

    Revolut’s rev points transfer to avios at 1:1 have BOI running scared, they needed to do something to keep the Avios collectors as customers.

  • PeterV says:

    I don’t see anything restricting residency to Ireland. Could be a very interesting option for residents of other Eurozone countries

    • Blair Waldorf Salad says:

      In the application process: “I am a permanent resident in the Republic of Ireland and have been for at least the past 6 months”

      • PeterV says:

        Sorry, I stand corrected! I’ve only read the T&Cs, but haven’t actually started the application process.

    • Michael says:

      You need to be a resident of Ireland and must enter your PPS Number (aka Social Security), Irish mobile and Irish address as part of your application.
      The application clearly states “We use your PPSN to check the Central Credit Register. This check is recorded on the Register, as is the opening of your credit card (if approved)”, so there’s no way to apply if not an Irish resident.

      • Blair Waldorf Salad says:

        Which is the norm across the EU and rather makes a mockery of the single market concept. Even opening a € savings account in a member state one is not resident in is fraught with difficulty.

  • ADS says:

    if you’re an existing card holder and haven’t spent much on your card so far … surely you’re better off cancelling your card NOW … and reapplying (restarting the clock) ?

  • Chris says:

    Question on Aer Lingus availability. Looking at GLA-DUB, they seem to only release 1 seat per flight. Is that all they release?? Looking as far out as I can and seems to be the pattern. Do they release further seats closer to the time?

This article is closed to new comments. Feel free to ask your question in the HfP forums.

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