Brown Thomas Visa Credit Card
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AIB · VISA
The Brown Thomas Visa Credit Card is a credit card from AIB on the VISA network. It has an annual fee of €0.
Verified 26 Sept 2026
Key facts
- Annual fee
- €0
- Purchase APR
- 14.84% (variable)
- Intro APR
- 3.83% for 12 months
- Foreign transaction fee
- 1.75% in Europe, 2.75% elsewhere
- Network
- VISA
Benefits and perks
- Earn 5% Encore Rewards in Brown Thomas, BT2 and Arnotts and up to 5% Encore Rewards with Encore Rewards partners.
- Encore Rewards Points are sent to you quarterly in the form of a Brown Thomas Gift Card.
- Up to 56 days interest free credit.
- Mobile payments: Google Pay and Apple Pay.
- Emergency cash up to US$5,000 if the card is lost or stolen abroad.
Questions about the Brown Thomas Visa Credit Card
What is the annual fee on the Brown Thomas Visa Credit Card?
The Brown Thomas Visa Credit Card has an annual fee of €0.
Is the Brown Thomas Visa Credit Card worth it?
The Brown Thomas Visa Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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