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Put the power back in your pocket with Flex - get Ireland's best purchase rate offer**
Flex Credit Card benefits
0% interest
Pay off your purchases with no interest at all for 9 months**
Instalment plan
Spread the cost of larger transactions over 12 months at a great lower rate. Available with limited merchants where you see the Mastercard instalment symbol.
Flexible Funds
Transfer from your credit card to your current account when you need it, wherever you are, fee free.+
Online Application
Check your eligibility in seconds
Quick AIP
Approval in principle in minutes
Additional Cardholders
Add up to 3 free additional cardholders
Apply Now
Apply online or by calling our dedicated team on 01 9456714 (8am - 8pm Monday to Friday, and 8am - 2pm Saturday excluding Bank Holidays).
Fast track your Credit Card
To apply, you will need to upload the following to the Document Hub.
Additional details may be required.
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
| Transaction type |
Typical APR |
Interest Rates (Variable) |
Interest Rates (Fixed) |
| Purchases |
15.7% or 22.9%++ |
10.8% or 16.8%++ |
8.6% |
| Cash withdrawals |
|
16.8% |
|
| Introductory offer on purchases |
|
|
0% for first 9 months** |
| Instalment Plan |
8.6% |
8.3% |
|
Things to know
You’ll need to pay your minimum monthly repayment on time each month and stay within your credit limit to keep your promotional rates.
No. The 0% on purchases for 9 months offer does not apply if you use the instalment plan.
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.
The quickest and easiest way to set up or amend your direct debit is by using our
Credit card online direct debit mandate provided by our third-party partner, DocuSign.
DocuSign is a company that provides corporations and individuals with electronic services in document management. It allows people to put their digital signatures on documents, such as contracts and agreements, using its secure technology. Entities that use DocuSign's services can authenticate entities, individuals, documents, and workflow, along with user identity management electronically. For more information, please read Privacy Notice | DocuSign.
Once you have completed the form you will receive a confirmation email with the document attached.
Please note the following:
- It can take some time for your new direct debit to be active and ready to take payments from your bank account. In the meantime, you may need to make an additional payment if your direct debit isn’t set up in time for your payment due date. You can use your debit card to make it, by calling us on 0818 205 410.
- If you have multiple credit card accounts with us, you must fill in a direct debit mandate for each account.
- Direct debits cannot be set up from a savings account.
- If you are setting up the direct debit from a joint account and both signatures are required, you must download the credit card printable direct debit mandate, print it, have both parties sign the mandate, and return it to us by post.
- If you do not wish to fill the form out electronically, you can download the credit card printable direct debit mandate, print it, sign it and post it back to us.
- You cannot set up a fixed direct debit, you must set up to pay either the full monthly balance or the minimum monthly balance that is due.
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
Are you an existing Credit Card customer?
Login to your online banking account to manage your Credit Card account
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.
*Source Bonkers.ie
**Information correct as of 5th September 2023, source CCPC.ie. Lending criteria, terms and conditions apply. Standard variable rate will apply once the introductory period ends. You’ll need to pay your minimum monthly repayment on time each month and stay within your credit limit to keep your promotional rates. 9 months 0% interest on purchases does not apply if you use the instalment plan.
+The interest rate on money transfers is same as the standard purchase rate on your card and you can transfer from €100 up to 95% of your credit limit.
++Rate is based on your financial profile and credit history. A higher rate may apply. 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.
The An Post Money Flex Credit Card is issued by Avantcard DAC pursuant to license by Mastercard International Incorporated.
An Post trading as An Post Money is authorised as a credit intermediary by the CCPC. An Post acts as a credit intermediary on behalf of Avantcard DAC, who provide loan and credit card services and facilities. Avantcard DAC trading as Avant Money is regulated by the Central Bank of Ireland.