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An Post Money offers two credit cards: the Classic Card with 0% interest on balance transfers for 12 months*, and the Flex Card with 0% interest on purchases for 9 months*. Both cards offer Mastercard global acceptance, have no setup fees, and facilitate money transfers to your bank account**. You can easily manage them using the An Post Money Credit Card app. Applicants must be over 18 and residents of the Republic of Ireland.

Compare our Credit Card options (Classic vs Flex)
Classic Credit Card benefits
Flex Credit Card benefits
Things to know

Which Credit Card fits your needs?

Two great An post Money Credit Cards to choose from

Classic Card

Ireland's best balance transfer offer*

Apply for Classic

0% interest on credit card balance transfers for 12 months*

Money transfers let you move money directly from your credit card to your personal bank account **

Add up to 3 additional card holders at no extra cost

Flex Card

Ireland's best purchase rate offer*

Apply for Flex

0% interest on purchases for 9 months*

Transfer money into your bank account at 5.9% interest for 24 months**

Four times winner of Ireland's best Credit Card in 2022, 2023, 2024 & 2025!

Compare our Credit Card options

An Post Money	Classic Credit Card	Flex Credit Card
0% introductory interest rate on balance transfers*	Yes	No
0% introductory interest rate on purchases*	No	Yes
Annual bank fees	No	No
Up to 56 days interest free	Yes	Yes
Additional Cardholders	Add up to 3 additional card holders	Add up to 3 additional card holders
Money transfers	Yes - 16.8% standard variable rate**	Yes - 5.9% for 24 months**

Bonkers.ie best Credit Card four years in a row

Bonkers.ie winner badges for An Post Money Best Credit Card 2022 to 2025

An Post Credit Card Flex benefits highlighted, showing a flexible An Post Money credit card offering interest free purchases for everyday spending.

Classic Credit Card benefits

Find out about the benefits that come with our Classic Credit Card, such as no interest on balance transfers for 12 months*.

Classic Credit Card

An Post Credit Card customer login area, allowing existing customers to access online banking and manage their credit card account

Flex Credit Card benefits

Find out about the benefits that come with our Flex Credit Card such as no interest on purchases for 9 months*.

Flex Credit Card

Apply online or call our dedicated team on 01 9456714 (8am-8pm Monday to Friday, and 8am-2pm Saturday excluding Bank Holidays).

Things to know

You must send one piece of photographic evidence that is up-to-date. We accept any of the following:
Passport – please make sure that when you take a photo of your passport, pages three and four are both clearly visible
Driving licence – you can use either the old paper licence or new card format but please make sure your name, photo and expiry date are clearly visible
Immigration or Garda age card - please make sure that the photo you take of your card clearly shows your name, photo and expiry date

Credit card fees and charges:

Interest calculation and charges

Interest is charged on all transactions, handling fees and default charges starting on the date that they are posted or applied to your account and ending on the date that you pay the total account balance in full.

You will not be charged interest on the card purchases shown on your current statement, if you pay off the total account balance shown on that current statement by the payment due date shown on that statement, provided you have also paid off the total account balance shown on the previous month’s statement by the payment due date shown on that statement.

We calculate interest each day so the earlier you make the payment, the less interest you will have to pay. Other transactions such as cash withdrawals and gambling will accrue interest daily. Interest will appear as a “finance charge” on your statement.

Default fees and charges

Fee type	When applied	Amount
Cash-transaction handling fee	Any transaction that gives you cash or something similar using your card or card number, such as foreign currency, traveller's cheques, postal orders, gambling, or electronic cash transfers which are not money transfers.	1.50% (there is a minimum charge of €2.50)
Foreign-currency fee	Commission on transactions made outside the Eurozone.	2.65% of the value of the transaction
Late fee	Charged if your minimum payment isn’t received by the payment due date, as per your statement. Missing your payments could have severe consequences for you and make obtaining credit more difficult.	€15.24
Over-limit fee	Charged once per month if your balance goes over your credit limit at any time during that statement period.	€12.70
Processing fee	Charged for all payments made over the counter at the An Post post office.	€1.09
Other Charges
Government stamp duty	Stamp duty is charged annually by the Government on applicable Irish credit card accounts. This charge is applicable to each unique card/account you have in your own name. This stamp duty may change on a yearly basis depending on the annual budget. The stamp duty is charged on the 1st of January, in arrears for the previous year. If you require any further information on the Government Stamp Duty, all relevant legislation can be located on the www.revenue.ie website.	€30.00

Are you an existing Credit Card customer?

Your Credit Card app is here!

View your balance and transactions details
Approve online purchases
Get alerts for activities on your card
Freeze/unfreeze your card instantly
Make a payment to your account with a debit card
Set up Apple Pay or Google Pay

An Post Credit Card app shown on a mobile screen, allowing customers to manage balances, view transactions and control their credit card

Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.

*Information correct as of 16^th January 2026, source CCPC.ie. Lending criteria, terms and conditions apply. You’ll need to pay your minimum monthly repayment on time each month and stay within your credit limit to keep your promotional rates. Classic Credit Card balance transfer offer is valid for transfer 90 days from opening account. Standard variable rate of 16.8% nominal, 22.9% Annual Percentage Rate (APR) will apply once the introductory period ends. Representative example: 22.9% APR assumes €1,500 credit limit drawn down in one transaction and repaid over 12 months in equal monthly instalments, and Government stamp duty of €30. Total amount repayable €1,666.50, cost of credit is €166.50.
**Money Transfers are available to the main cardholder only and subject to credit approval. You can transfer from €100 up to 95% of your credit limit. The interest rate for Money Transfers on the Classic Credit Card is the same as the standard variable rate on your card (16.8%). When the Money Transfer offer ends on the Flex Credit Card any outstanding amount will be charged interest at your standard variable rate (16.8%).

The An Post Money Classic and Flex Credit Cards are issued by Bankinter S.A. pursuant to license by Mastercard International Incorporated.
An Post acts as a credit intermediary exclusively on behalf of Bankinter S.A., who provide loan and credit card services and facilities. An Post trading as An Post Money is authorised as a credit intermediary by the CCPC. Bankinter S.A., trading as Avant Money, is authorised by the Banco de España in Spain and is regulated by the Central Bank of Ireland for consumer protection rules.

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