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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
Salary requirements	None	None
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).

Find out more Credit Card benefits

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

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 rating 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 December 2025, 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 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 conduct of business rules.

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