Bad news - no eye cream is going to do anything for your eyes. Generally there's no such thing as an eye cream, it's just a way of making us buy another product 
Good news - there are things you can do for your skin in general that do help against ageing to some extent. If you are already doing all of this ignore me
, if not this is a much better use of your cash than an eye cream.
Firstly - broad spectrum SPF, you need UVA and B protection, at least SPF 30 every day, even in the winter. SPF in makeup doesn't count as you apply it too thinly to work. Even if you don't do anything else this is the most effective thing.
Then acid toning. If you tend towards spots/blackheads then you want a salicylic acid product but as you say you are clear and dry then glycolic/lactic. Something like Nip Fab Glycolic fix
If your skin is dehydrated you can get some plumping and freshening going on with hyaluronic like the Aldi Lacura Serum, Vichy Idealia serum or Hylamide. I love my Hylamide as it has peptides as well which might be adding an extra level of anti-ageing. Hylamide has an eye product as well if you really want a separate product which I know other people on hear use and love.
Finally the best thing you can do after SPF and acids is a retinol like LRP Redermic R. Retinols are the only product that actually help you make more collagen in your skin.
You can do all of this for under £50 for the lot 