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Pay it your way

You decide how you pay back at the point of sale with our lowest rate and new instalment plan feature*

Card benefits

Our lowest ever interest rate*

Pay off your purchases at a low interest rate from just 15.7% APR—Annual Percentage Rate

Instalment plan

Transactions over €250? Pay over 12 months at an even lower interest rate of just 8.6% APR. 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.**

Fully Online Application

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


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

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. 

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

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
Classic credit 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


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.


*Rate is based on your financial profile and credit history. A higher rate may apply

**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 15/10/2021, 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.