9 months 0% interest on purchases

Get Ireland’s best purchase rate offer – you can pay off your purchases with no interest at all for 9 months*

Check your eligibility

Card benefits

Get 9 months 0% interest on purchases

Ireland’s best purchase rate offer – Pay off your purchases with no interest at all for 9 months*

Instalment plan

Transactions over €250? Pay over 12 months. The instalment plan is only available with limited merchants wherever you see the Mastercard instalment symbol.

Money Transfer - Flexible Funds

Transfer from your credit card to your current account when you need it, wherever you are, fee free.**

*0% interest on purchases does not apply if you use the instalment plan.

Fully Online Application

Applying for a credit card is a quick and simple process.

Cardholders

You can add up to 3 free additional cardholders.

Interest-free credit

Get up to 56 days interest free if you pay your bill on time and in full each month. This does not apply to purchases using the instalment plan feature.

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.

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

Credit card benefits

Fast track your Credit Card

Applying for a Credit Card is a quick and simple process. You will need proof of your:

Additional details may be required.

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

Understanding your card

Credit card type	Purchase rate (APR)*	Cash rate	Instalment plan
Flex	15.7% or 22.9%	16.8% (22.9% APR)	8.5%

FAQs

An Instalment Plan is a new fast and flexible way to access credit, giving you more control and convenience. It lets you spread the repayment of purchases of €250 or more over 12 months at a lower interest rate.

With the Flex credit card, you will have an option to put your purchases on an Instalment Plan whenever you see the Mastercard ‘Instalments’ symbol – both in-store or at an e-commerce checkout.

An Instalment Plan allows you to see and agree to the total cost at the checkout, taking control with a simple monthly repayment, all in seconds.

Step 1: Look for the Mastercard ‘Instalments’ symbol at the point of purchase.
Step 2: Pay for your purchase using your Flex credit card. The purchase must be for €250 value or more and may consist of many items within the same transaction.
Step 3: Choose the Instalment Plan option when presented.

We will send you an email to let you know when an Instalment Plan has been set up on your account, showing the plan details.

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

Instalment Plans are fast and flexible, allowing you to make a larger purchase and spread the cost over twelve months, using your available credit limit at a very competitive rate.

You can choose the Instalment Plan option when presented at the checkout, either online or in store - whenever you see the Mastercard ‘Instalments’ symbol.

Instalment Plan payments will be included in your monthly credit card statement and will be available to view in your online account.

No. Instalment Plans are only available from shops, merchants and online stores when you see the Mastercard Instalments Plan logo and when you are offered the option to ‘Pay in Instalments’ at the checkout.

Purchases must be for €250 or more in a single transaction, so if you are buying several items at the same time that have a total value of €250 or more, this transaction is eligible to be put on an Instalment Plan.

Instalment Plans are only available at the time of purchase; you cannot put a transaction onto an Instalment Plan if you do not select this option when paying for your goods.
Not all purchases are eligible for Instalment Plans; for example, gambling, crypto currencies and fines do not qualify. Please refer to the eligible purchases section in your terms and conditions for more details.

The interest rate and total amount due, including interest, will be displayed on the payment terminal when you are making a purchase and choose to put it on an Instalment Plan.

The interest rate is fixed for the duration of the Instalment Plan however, the rate for future Instalment Plans may be different. Interest on an Instalment Plan accrues on a daily basis from the date of the transaction until the date the final payment is made. There is no interest free period applicable to Instalment.

If you do not pay the Total Payment Due Including Instalment(s) amount by your Payment Due Date, your Instalment Plan(s) will be cancelled.

You can check your Total Payment Due Including Instalment(s) amount on your account statement.

Upon cancellation, the outstanding balance will revert to your standard interest rate for purchases which is higher than the Instalment Plan rate. Interest will then accrue in the usual way until the total amount is paid off.

WARNING:
Once an Instalment Plan is ended it cannot be reinstated.

Do you have a Credit Card balance?

The An Post Money Classic Card offers 0% interest for a whole year on balances transferred

Classic credit card

Get in touch

If you have any questions about our credit card or your application, please contact our customer service team.

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.

Once an instalment plan is ended it cannot be reinstated.

*The appropriate rate based on your financial profile and credit history. 9 months 0% interest on purchases does not apply if you use the instalment plan (8.5% APR).

**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.

*Information correct as of 3^rd August 2022, source CCPC.ie.

22.9% APR assumes a credit limit of €1,500 drawn down in one transaction and repaid over 12 months in equal monthly instalments, and Government stamp duty of €30. The total amount repayable is €1,666.50 and cost of credit is €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.

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