Credit card providers in Ireland
Compare Ireland’s main credit card providers to find the card that suits your needs. From 0% purchase and balance transfer offers to rewards and digital-first cards, we outline who offers what, so you can choose with confidence.
AIB
AIB offers a broad range of credit cards, including the CLICK Visa Card, ‘be’ Visa, Platinum Visa Card with cashback, and the AIB Student Card. Choose from low-interest, cashback, or student options, with introductory rates and full in-branch support.
An Post Money
An Post Money offers two straightforward credit cards. Choose a Classic for balance transfers, or a Flex card with 0% introductory purchase rates. Enjoy competitive rates and in-person support at 900 post offices.
Avant Money
Avant Money offers credit cards with 0% introductory rates, cashback and interest refunds. Maximise your rewards with up to 25% interest refunds on the Reward+ card, or earn grocery cashback with the Everyday+ card.
Bank of Ireland
Bank of Ireland offers one of the widest selections of credit cards in Ireland, including travel, student and affinity options. Earn Avios points and unlock travel perks like lounge passes and fast-track security with the exclusive Aer Credit Card.
PTSB
PTSB offers the ICE Visa credit card, ideal for existing and new PTSB customers. The ICE Visa card offers 0% introductory rates for balance transfers and purchases, flexible repayment options, and seamless management through your current account.
Revolut
Revolut offers an app-based credit card with short-term 0% interest and rewards through its RevPoints programme. Manage everything in-app. Enjoy 0% interest on balance transfers for 6 months and earn RevPoints on your daily spending.
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
All credit card providers in Ireland are regulated by the Central Bank of Ireland.
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Credit card providers in Ireland, at a glance
While all providers offer credit cards, they differ in structure, eligibility and rewards. The table below highlights the key differences between them.
| Provider | Type of provider | Known for | 0% Intro Offers | Rewards / perks | Current account required | |
|---|---|---|---|---|---|---|
| AIB | Traditional high street bank | Wide range of cards including low-rate and student options | Yes | Cashback on Platinum | No | |
| Bank of Ireland | Traditional high street bank | Largest range of card types (travel, affinity, student) | Yes | Travel perks on Aer card | No | |
| PTSB | Traditional high street bank | ICE Visa with short 0% offers | Yes | No rewards | Yes (salary-mandated account) | |
| An Post Money | Post office-based provider | Classic & Flex cards with 0% options | Yes | No rewards | No | |
| Avant Money | Digital lender (Bankinter) | Cashback and interest refund cards | Yes | Cashback & interest refunds | No | |
| Revolut | Digital bank | App-based card with RevPoints | Yes (short-term) | RevPoints loyalty programme | Revolut account required |
Traditional banks tend to offer a wider range of card types, while digital providers focus on app-based management and rewards-driven products.
Which credit card provider might suit you?
Different providers focus on different strengths, from traditional branch banking to fully digital rewards-led products.
Here’s a simple way to think about which type of credit card provider might suit you.
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Traditional banks: AIB, Bank of Ireland, PTSB may suit customers who prefer branch access and existing current account integration.
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Digital providers: Revolut, Avant Money may suit those who prefer fully app-based management and faster online approval.
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Post office network: An Post Money could appeal to consumers who prefer local, in-person access in their post office.
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 holders in Ireland are subject to a €30 Government Stamp Duty charge per credit card account, each year. Most providers pass this charge on to the customer, but some - like Avant Money - choose to cover the cost on your behalf.
How do you apply for a credit card?
You can apply directly with a provider, either through your existing bank or a different lender. Some providers offer a quick eligibility check before you complete a full application.
To apply, you’ll typically need to provide proof of identity, your PPSN, and details of your income and outgoings. Lenders will also check your record on the Central Credit Register (CCR).
For a step-by-step breakdown of the process, eligibility criteria and tips to improve your chances of approval, see our Credit Cards homepage 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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