Am I eligible to apply for a credit card?

To apply for a credit card, you must be over 18 and a resident of the Republic of Ireland.

How do I send you my documents?

The application process is an online one and documents can only be uploaded through our Document Centre. Please don't post your documents but check out our guide to uploading them online.

Do you accept joint applications?

We don’t accept joint applications at this time but you can include income from another household member in your application, with their consent. If you do this, we will require their personal documents as well.

Can I add other users to my card?

You can add up to three additional family members to your credit card account for free and they will each receive their own card.

Do I have to include all rental and mortgage information or just for my main home?

You need to include information about all rents and mortgages that you currently have.

There are no set-up fees with our credit cards. In certain situations, for example missed payments, fees and penalties may apply.A Government stamp duty fee of €30 will be applied to your credit card annually.

Where can I see the interest rates that will apply to my credit card?

The interest rates that apply to your credit card will be detailed on your monthly statement.

When you complete a credit search, what information is shown on my credit report?

To see the information on your credit report you can request a copy at www.centralcreditregister.ie

How do I set up or amend a direct debit to pay my credit card?

The quickest and easiest way to set up or amend your direct debit is by using our Credit card online direct debit mandate provided by our third-party partner, DocuSign. DocuSign is a company that provides corporations and individuals with electronic services in document management. It allows people to put their digital signatures on documents, such as contracts and agreements, using its secure technology. Entities that use DocuSign's services can authenticate entities, individuals, documents, and workflow, along with user identity management electronically. For more information, please read Privacy Notice | DocuSign.Once you have completed the form you will receive a confirmation email with the document attached. Please note the following:It can take some time for your new direct debit to be active and ready to take payments from your bank account. In the meantime, you may need to make an additional payment if your direct debit isn’t set up in time for your payment due date. You can use your debit card to make it, by calling us on 0818 205 410. If you have multiple credit card accounts with us, you must fill in a direct debit mandate for each account.Direct debits cannot be set up from a savings account. If you are setting up the direct debit from a joint account and both signatures are required, you must download the credit card printable direct debit mandate, print it, have both parties sign the mandate, and return it to us by post. If you do not wish to fill the form out electronically, you can download the credit card printable direct debit mandate, print it, sign it and post it back to us.You cannot set up a fixed direct debit, you must set up to pay either the full monthly balance or the minimum monthly balance that is due.

Ireland's best balance transfer offer*

Move your existing credit card balance to a new An Post Money Classic Credit Card and pay 0% on it for a full 12 months.

Check your eligibility Transfer card balance

Classic Credit Card benefits

0% interest on balance transfers

Transfer your existing credit card balance and pay no interest on it for 12 months*

Money transfer - flexible funds

Transfer from your An Post Money Credit Card to your current account when you need it, wherever you are, fee free**

Interest-free credit

Get up to 56 days interest free if you pay your bill on time and in full each month

Fully Online Application

Applying for a credit card is a quick and simple process.

Cardholders

You can add up to 3 free additional cardholders.

Purchases

Pay off your purchases at 22.9% APR - Annual percentage rate.

See how much you can save

Balance Transfer Savings Calculator

Existing credit card balance

€

Monthly payment

€

Current rate (APR)

Your results

You could save

€ 0 over the first 12 months

Ready to move on?

The above savings calculator is for illustrative purposes only and represent potential savings from utilising the An Post Money Credit Card 0% Balance Transfer offer for 12 months*. It does not include transactions that may be carried out on the An Post Money Credit Card.

Apply Now

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

Check your eligibility Credit Card benefits

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

Download in the App Store Download in Google Play

Fast track your Credit Card

To apply, you will need to upload the following to the Document Hub.
Additional details may be required.

Proof of Identity

Such as Passport / Driver's Licence

Proof of Address and Income

Such as a utility bill and up to date bank statement

Proof of PPS number

Such as a recent payslip

Understanding your card

Assuming a credit limit of €1,500 drawn down in one transaction and repaid over 12 months in equal monthly instalments:

Credit card type	Variable interest rate	APR interest	Government stamp duty	Total cost of credit	Total amount repayable
Classic	16.8%	22.9%	€30.00	€166.50	€1666.50

Things to know

The quickest and easiest way to set up or amend your direct debit is by using our Credit card online direct debit mandate provided by our third-party partner, DocuSign.

DocuSign is a company that provides corporations and individuals with electronic services in document management. It allows people to put their digital signatures on documents, such as contracts and agreements, using its secure technology. Entities that use DocuSign's services can authenticate entities, individuals, documents, and workflow, along with user identity management electronically. For more information, please read Privacy Notice | DocuSign.

Once you have completed the form you will receive a confirmation email with the document attached. Please note the following:

It can take some time for your new direct debit to be active and ready to take payments from your bank account. In the meantime, you may need to make an additional payment if your direct debit isn’t set up in time for your payment due date. You can use your debit card to make it, by calling us on 0818 205 410.
If you have multiple credit card accounts with us, you must fill in a direct debit mandate for each account.
Direct debits cannot be set up from a savings account.
If you are setting up the direct debit from a joint account and both signatures are required, you must download the credit card printable direct debit mandate, print it, have both parties sign the mandate, and return it to us by post.
If you do not wish to fill the form out electronically, you can download the credit card printable direct debit mandate, print it, sign it and post it back to us.
You cannot set up a fixed direct debit, you must set up to pay either the full monthly balance or the minimum monthly balance that is due.

The Central Credit Register (CCR) is a secure system for collecting information on credit applications and credit agreements of €500 or more.

It is owned and operated by the Central Bank of Ireland. We share your information with the CCR, which uses it to create individual credit reports.

The Central Bank owns the information held on the CCR and is the data controller under the Data Protection Acts. You have a right to request your credit report, free of charge, at any time and subject to fair usage.

Find out more about what the CCR means to your credit card application.

Flex Credit Card

You decide how and when you pay back at the point of sale with our lowest rate and new instalment plan feature

View our Flex card

Get in touch

If you have any questions about our credit card or your application, please contact our customer service team.

Are you an existing Credit Card customer?

Warning: If you do not meet the repayments on your credit agreement your account will go into arrears. This may affect your credit rating which may limit your ability to access credit in the future.

*Information correct as of 5th September 2023 and not subject to salary restrictions, source CCPC.ie. Standard variable rate will apply once the balance transfer promotional period ends.
**The interest rate on money transfers is same as the purchase rate on your card and you can transfer from €100 up to 95% of your credit limit.

The An Post Money Classic Credit Card is issued by Avantcard DAC pursuant to license by Mastercard International Incorporated.
Avantcard DAC trading as Avant Money is regulated by the Central Bank of Ireland. An Post acts as a credit intermediary on behalf of Avantcard DAC, who provide loan and credit card services and facilities. An Post trading as An Post Money is authorised as a credit intermediary by The Competition and Consumer Protection Commission.

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Avantcard DAC trading as Avantcard is regulated by the Central Bank of Ireland.