Credit Cards Benefits

An Post Money Classic and Flex credit cards offer a range of benefits, including chargeback fraud protection, money transfers**, up to three additional cardholders at no extra cost, worldwide Mastercard acceptance, Priceless Cities offers, and zero setup fees. Cardholders can easily manage their account through the An Post Money Credit Card app.

Fraud protection
Additional cardholders
Balance transfers
Money transfers
Credit Card app

Smiling woman in yellow sweater using An Post Money Credit Card for online purchase on laptop

An Post Money Credit Cards

The smart way to take back control of your money. Enjoy card benefits built around you, like adding up to three additional card holders at no extra cost, transferring money from your card to your current account, and Mastercard's Priceless Cities programme that lets you enjoy exclusive offers in major cities around the world.

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Find out more

Check now to see if you are eligible for an An Post Money Credit Card

Get a Classic Credit Card

Ireland's best balance transfer offer*

View Classic Card details

Get a Flex Credit Card

Ireland's best purchase rate offer*

5.9% interest on money transfers for 24 months**

View Flex Card details

Fraud protection

We’ve got your back when something fraudulent happens. If you purchase goods and they never arrive or your credit card gets into the wrong hands, we’ll do our best to help you get a refund through the Mastercard chargeback scheme. In the event of a stolen or lost card, we’re here to help.

Additional cardholders

With An Post Money Credit Cards, you can

Add up to 3 additional cardholders at no extra cost
Each gets their own card and PIN
Share the primary credit limit
All transactions on one statement
Potential savings of up to €90 annually on stamp duty

Balance transfers

Pay off your other credit cards with a balance transfer and you could save money.

Simplify your outgoings by transferring your credit card balance with other lenders to your An Post Money Classic credit card*.
Manage one account and make a single monthly payment.
Our team can assist you with the balance transfer process.

Money transfers

Money transfers let you move money directly from your credit card to your current account.

Move from €100 up to 95% of your available credit limit.
16.8% nominal interest (22.9% APR)
Transfer before 2.30pm on a weekday: creditet in one business day
Transfers after 2.30pm or on weekends and bank holidays: two business days.**

Credit Card App

Manage your Credit Card on the go with the An Post Money Credit Card app.

Set up your digital wallet with Apple Pay or Google Pay so you can pay instantly and securely with your mobile or smartwatch.
View your balance and transactions details.
Approve online purchases and choose the alerts you want, for activities on your card.
Freeze/unfreeze your card instantly if lost or stolen.
Make a payment to your account with a debit card.

Global acceptance

Accepted wherever Mastercard is displayed
Cash withdrawals at ATMs worldwide
Over-the-counter withdrawals in banks, building societies and bureaus de change

Our awards

Bonkers.ie winner badges for An Post Money Best Credit Card 2022 to 2025

More for you

Mastercard Priceless Cities offers

As a Mastercard customer, you can avail of its Priceless Cities offers and experiences in Ireland and other major cities around the world. These fantastic offers include hotel getaways, fine dining, golf and spa breaks and much more.

Explore Mastercard priceless offers

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Travel services

When you’re travelling abroad, let us know and we’ll add a travel notice to your account to reduce any inconvenience you may experience when using your card abroad. You can do this through your online account.

View travel FAQs

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

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 16^th January 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.