Credit card providers in Ireland
Compare these providers in Ireland to find the best credit card for your needs. Whether you’re looking for a 0% purchase card or to transfer your balance from an existing card, we make it easy to find the right card for you.
AIB
AIB provide full personal and business banking services and offer a range of credit cards for all needs, including the low interest CLICK Visa Card, ‘be’ Visa, Platinum Visa Card, and the AIB Student Card.
An Post Money
An Post Money offer a banking service that’s available at 900 post offices around Ireland. They offer two cards: the Classic Credit Card with 0% on Balance Transfers and the Flex Credit Card with 0% purchases for 9 months.
Avant Money
Avant Money is a digital-only lending platform that offers credit cards. The Avant Money One offers €150 cashback and gives an introductory 0% on purchases and balance transfers. The Avant Money Reward+ offers up to 25% of your interest refunded plus €150 cashback.
Bank of Ireland
The Bank of Ireland provides personal and business banking. They offer the widest choice of cards in Ireland; the Aer Credit Card, Classic Credit Card, Platinum Credit Card, Affinity Credit Card and Student Credit Card.
PTSB
PTSB is a trustee savings bank offering the ICE Visa Credit Card which has an introductory 0% balance transfer and purchases rate.
Revolut
The Revolut credit card is a flexible way to access extra money when you need it. Apply in the Revolut app for instant approval and enjoy up to 3 months interest -free spending and cash back.
How many credit card providers are there in Ireland?
There are six credit card providers in Ireland.
- Allied Irish Bank (AIB)
- An Post
- Avant Money
- Bank of Ireland
- PTSB
- Revolut
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Which credit card provider has the longest 0% balance transfer period?
The An Post Classic credit Card has a 12-month balance transfer period.
Which credit card provider has the longest 0% purchases period?
An Post Flex credit card has 0% purchases for 9 months, followed by Bank Of Ireland has 0% for 6 months purchases with their Platinum Advantage, Classic and Aer Credit Cards.
Which credit card provider offers the highest credit limit?
Your credit limit will depend on your credit score and financial history. Find out how credit limits work in our guide.
How much do providers charge for a credit card?
Most providers don’t charge an account fee for your credit card, but you may have to pay an annual or monthly account fee for some premium cards.
All credit card providers in Ireland also have to charge a ‘Government Stamp Duty’ on your credit card account. The current stamp duty rate for credit cards is €30 per year per credit card account.
How do you apply for a credit card?
You can apply for a credit card with your bank or another provider. Applying with your bank could be the easiest option, but it may not be the best card for your needs.
The first step in the application process is sometimes an eligibility check; some banks may ask you for a few details to assess the likelihood of being accepted.
For the full application, you must provide personal information, including your PPSN, and evidence of your identity. You’ll also need to supply information on basic income and outgoings.
The lender must also check your personal credit history. This involves a search on the Central Credit Register (CCR) and will leave a footprint on your credit file.
For more information about how to apply, visit our Credit Cards page, where you can compare all of the best credit card offers and find out how to get a credit card in Ireland.
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