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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.


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.


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.

Our awards

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:


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

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.

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








Things to know

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 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.

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