On top of the debt accrued and its interest there are other costs that the card holder should check so as to compare credit cards. The costs and charges are different in different cards options as the maintenance fee, application fee, debt transfer fee, currency conversion fee, annual fee and others which are dependant on the provider. Some cards will ask for the all of the above while others skip some. So be sure what to expect in the option you intend to take.

In line with the governments policy the bank of Ireland credit card issuance asks for the government stamp fee and the levied tax on the credit cards. The bank will pay them to the government and later add them into you account. 

In any transaction you make with the card the government must get a certain amount of money depending on whether the good or service is taxable. Mostly the payments are made once a year. In the case of balance transfer the bank does not charge anything for balance transferred across its cards.

To get the best picture of how credit cards operation is done; the interest rate calculations and the associated expenses you should check the Irish independent information on credit cards. Here unbiased reviews are made on the charges to help you understand each of them. Most of these charges are not evadable for they are charge directly into you account. This method also saves you the time you could have used to go remit them. The credit card company remits these amounts in bulk; for all cards.