Gold Business Credit Card

An increased line of credit which is an ideal expense management tool for any person who travels and all types of businesses.

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  • Aer Lingus Lounges, Priority Check-In & Fast track access to the security channel: ​Enjoy unlimited access to Aer Lingus Lounges and Priority Check in facilities for UK, European and US routes provided by Aer Lingus as well as fast track access to the security channel in Dublin. Every Gold Business Credit Cardholder and one guest travelling with them has free access to the Aer Lingus Lounges in Dublin, Cork and Shannon as well as more than thirty affiliated lounges in airports worldwide. So you can relax while waiting for your flight. Just present your Gold Business Credit Card and your Aer Lingus boarding pass at the Lounge desk. At some airports, where an Aer Lingus handling partner provides lounge facilities, you may need to register at the check-in for the lounge visit.​
  • No transaction fees: There are no transaction fees when you use your credit card to pay for goods and services making it a more cost-effective alternative to writing cheques, Cross-border handling fees apply to non-Euro transactions
  • Interest-free credit: Enjoy up to 37 days’ interest-free credit on purchases. Pay in full each month by direct debit and you can avoid paying interest charges.
  • Comprehensive travel insurance1: You and up to 3 colleagues are covered for 90 days of any journey when you pay for at least 50% of your fare with your credit card (see below for more information).
  • Track what you spend: Tracking your business spending is easier using your detailed monthly cardholder statements. By separating business and personal expenses, a credit card makes expense reconciliation quicker. And there’s no need to pay for business-related expenses on personal credit cards or carry large amounts of cash.



  • Set individual credit limits per card
  • Unlimited number of cards per account
  • Track spend through detailed cardholder statements
  • Protect against unauthorised transactions with card liability waiver insurance

  • Additional Benefits



    • Choose from a range of monthly payment dates to suit your business cash flow
    • Significant time savings every month by simplifying the expense reconciliation process
    • Reduce Bank charges and transaction fees by using your Business Credit Card for purchases instead of writing cheques, etc.
    • Up to 37 days interest free credit

    Benefits to Cardholders

    • Separates business and personal expenses – no need to fund business related expense on personal credit cards or carry large amounts of cash
    • Cuts down on paperwork – saves time and hassle by simplifying expense claims
    • Covers everyday expenses from petrol, to car tax, car insurance, toll charges, client entertainment and travel
    • Itemised monthly statement of your transactions
    • Worldwide Customer Services support when travelling (Call 0818 365 505 or from outside Ireland +353 1 404 4000).

Bank of Ireland CardController

An online service enabling you to control employee spending by picking from a variety of controls and settings including setting maximum purchase or transaction amounts, getting 24/7 real-time alerts whenever cardholder spends goes above the limits set and getting alert on certain transaction such as ATM or contactless transactions.

To register for the service log on to

How to Apply

Applying for the first time

You can now apply online for up to 5 Business Credit Cards (with a combined limit of up to €120,000). Once approved, we will get your card to you in a few days, and you can start using it to manage your business spend.

Sole Trader, Partnerships and Limited Companies

Apply online for up to 5 cards, with a combined limit of up to €120,000

For all other business customers

If you’re a School, Church, Charity or Unincorporated Organisation or need more than 5 cards please arrange a meeting with one of our business advisors.


Existing cardholder and need to apply for additional cards?

Simply download a copy of our application form and return it to your branch or relationship manager


Rate / Fee
Interest rates (for purchases)17.39% Variable
Interest rates (for cash)17.39% Variable
Annual fee€120 per card
Cross Border Handling Fee
– Transactions in euro within the EU and certain non – EU countries to which the relevant EU regulations apply
– All other transactions
-No charge
-2.25% of value of transactions
Copy of Statement on requestNo charge
Cash Advance Fee1.5% of value of transaction (min €2.54)
Returned Payment Charge€3.17 per unpaid item
Government Stamp Duty – charged annually on 1st April€30 per card

Help & Support

Need help and support? Read our frequently asked questions to find an answer.

1 Underwriting, terms and conditions apply. Travel insurance is arranged by Bank of Ireland Insurance Services and is underwritten by Chubb European Group SE. Bank of Ireland Insurance Services Limited trading as Bank of Ireland Insurance Services and Bank of Ireland Insurance is regulated by the Central Bank of Ireland. A member of Bank of Ireland Group. Chubb European Group SE is authorised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) in France and is regulated by the Central Bank of Ireland for conduct of business rules.
2 Bank of Ireland is not responsible for information on third party websites.
3 This is currently the domestic limit for contactless transactions, higher or lower limits may apply outside of Republic of Ireland.