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. That's the best Balance Transfer offer on the market*.
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.
Worldwide Acceptance.
An Post Money Credit Cards are accepted globally, wherever you see the Mastercard sign.
Mastercard Priceless Cities
You can enjoy exclusive offers and experiences in Ireland and major cities around the world.
Credit Limit
We'll set your credit limit when we approve your application. For those times when you need a little extra, just talk to us about applying for an increased limit at no extra cost.
Online Security
3D Secure is a free and automatic online security service which gives you an extra layer of protection when you shop online.
Card Control
Manage your credit card account online and stay in control of your finances 24/7.
Purchases
Pay off your purchases at 22.9% APR - Annual percentage rate.
PLA Card
We are committed to sustainability, so we've switched our plastic card to a new, more environmentally friendly material.
See the full list of benefits for Credit Cards
Fast track your Credit Card
Applying for a Credit Card is a quick and simple process. You will need proof of your:
Identity
All four corners must be visible e.g Passport / Driver's Licence
Address and Income
Such as an up-to-date bank statement
PPS number
e.g a recent payslip
Additional details may be required. For more information on the application process
click here.
Balance Transfer Savings Calculator
Your results
You could save
€
0
over the first 12 months
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.
Balance transfers at one great promotional rate
- Low promotional rate of 0% for 12 months*
- Valid for transfer 90 days from opening account
- No transfer fees
- Minimum balance transfer €100
- Maximum balance transfer up to 95% of credit limit
- Transfer complete in 1-2 business days
- Make minimum monthly payment and stay within total credit limit to keep rate
More on balance transfers
More on balance transfers
Money transfers for help with the unexpected
- 22.9% APR
- No transfer fees
- Minimum transfer €100
- Maximum transfer up to 95% of credit limit
- Transfer complete in 1-2 business days
More on money transfers
More on money transfers
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
Once you’ve applied for a credit card, we will evaluate your ability to repay and your financial status. We will then recommend a credit limit based on your individual situation.
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
To apply for a credit card, you must be over 18 and a resident of the Republic of Ireland.
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.
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.
The interest rates that apply to your credit card will be detailed on your monthly statement.
You need to include information about all rents and mortgages that you currently have.
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.
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.
You can add up to three additional family members to your credit card account for free and they will each receive their own card.
Flex Credit Card
Pay it your way 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
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.
Contact us
Contact us
Are you an existing Credit Card customer?
Login to your online banking account to manage your Credit Card account
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 15th June 2022 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.
®Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated
22.9% APR assumes that you draw your entire credit limit in one transaction using your card for a period of one year, and repay in 12 equal instalments, the principal plus the respective interest amounts (if your credit limit has not yet been finalised, we have assumed that it will be €1,500), and Government stamp duty of €30 on the card is charged, the total amount you would have to pay would be €1,666.50. Cost of credit €136.50.
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. Avantcard DAC is a designated activity company incorporated in Ireland under number 541980 and having its registered office at Dublin Road, Carrick-on-Shannon, Co Leitrim.