The choice depends on your needs: if you want to move existing debt from another bank to save on interest, the Classic Card with 0% interest on balance transfers for 12 months* is ideal. If you plan on making new purchases and want to avoid interest for several months, the Flex Card which offers 0% interest on purchases for 9 months* is more suitable.
Compare Ireland's best 0% interest Credit Cards*
Choose the An Post Money Credit Card that suits your needs, making better happen for your money!
Compare An Post Money credit cards: the Classic Card has 0% interest on balance transfers for 12 months*, and the Flex Card has 0% interest on purchases for 9 months*. Check the documentation checklist for quick application and how you can now manage your Credit Card account on the go with the An Post Money Credit Card app.
Compare our Credit Cards
| An Post Money | Classic Credit Card | Flex Credit Card |
|---|---|---|
| Criteria for eligibility | 18 years or older Resident in the ROI | 18 years or older Resident in the ROI |
| 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 |
| Apply online | Yes | Yes |
| Contactless payments | Yes | Yes |
| Apple or Google Pay | Yes | Yes |
| Online account management | Yes | Yes |
| Credit Card App | Yes | Yes |
| Additional cardholders | Add up to 3 additional cardholders | Add up to 3 additional cardholders |
| Emergency cash service | Yes | Yes |
Money transfers | Yes - 16.8% Standard Variable Rate** | Yes - 5.9% for 24 months** |
| Classic Credit Card | Flex Credit Card |
Fast track your Credit Card
You will need to provide the following documents.
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
Get a Credit Card today
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
Your Credit Card App
- 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
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 1st April 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.