Flex Credit Card | 0% Purchase APR Credit Card*

Make your money matter more with Flex.

Check your eligibility

Flex Credit Card benefits

Use our online application to check your eligibility in seconds and receive approval in principle in minutes.

0% interest

Pay off your purchases with no interest at all for 9 months**

Flexible Funds

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

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).

Check your eligibility Credit Card benefits

Your Credit Card app is here!

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

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%++
Cash withdrawals		16.8%
Introductory offer on purchases			0% for first 9 months**

Things to know

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.

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

Woman holding An Post Classic Credit Card

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.

Are you an existing Credit Card customer?

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.

*Source Bonkers.ie
**Information correct as of 1st April 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. Standard variable rate 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.
+The interest rate on money transfers is the same as the standard purchase rate on your card (22.9% APR) and you can transfer from €100 up to 95% of your credit limit.
++Rate is based on your financial profile and credit history.

The An Post Money Flex Credit Card is 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.

Pay 0% interest on purchases for 9 months with Ireland's best Credit Card*.