An Post Money credit cards

Transfer your balance and pay 0% interest for 12 months or take advantage of An Post’s low interest rates on purchases with a choice of credit cards from An Post.

What credit cards do An Post offer?

An Post offers two credit cards to help put you back in control of your finances. One is a 0% balance transfer card; the other is a 0% purchase card. Here’s what you need to know:

The Classic

This card offers one of Ireland’s lowest balance transfer offers at 0% interest for 12 months.

The extended interest free period could help you to clear your balance without paying any interest at all. Just make your monthly payments on time and stay within your credit limit to get the introductory rate.

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Ideal for shopping and making large purchases. Pay no interest on shopping for nine months with 0% interest on purchases.

The Flex credit card also offers a low cost instalment plan so you can spread the cost of large purchases of €250 or more over 12 months.*

If you just need a card for everyday spending, the competitive interest rate and 56 days interest free credit once your bill is paid in full each month, make the Flex card a good choice.

* 0% interest on purchases does not apply if you use the instalment plan.

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Other benefits of An Post credit cards

  • Money transfers: Transfer funds of €100 or more to your current account.
  • Add extra cardholders: You can have up to three more cardholders on your account for free, each with their own card.
  • Fraud protection through the MasterCard Chargeback Scheme.
  • Emergency card and cash: If your card’s lost or stolen, An Post can get cash or a new card to you within 48 hours.

How to apply for the An Post credit card

You can do a quick eligibility check which indicates whether you’re eligible to apply for a card and what your credit limit is likely to be.

Next, you’ll need to complete an online application which will determine the interest rate you’re offered. To do this, you’ll also need proof of your:

  • Personal identity e.g. passport or driving licence
  • Address e.g. utility bill
  • Income e.g. current account bank statement
  • PPS number e.g. payslip

All documents must be uploaded online once you’ve been approved for the card. You’ll be sent a link via email which takes you straight to the An Post Money document hub.

It’s worth comparing the An Post credit card with other credit cards that may have features that suit you better.

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More about An Post Money

An Post Money is a division of An Post which has over 900 Post Offices across Irish communities.

They offer a full suite of financial products including loans, current accounts, credit cards, travel money and state savings.

They aim to simplify money, offering different ways to pay and track your money on the go or use a local post office branch to pay a bill or transfer money.

An Post Money credit card FAQs

Who underwrites the An Post Money credit card?

The An Post Money credit card is underwritten by Avantcard DAC and you’ll need to agree to the privacy notice shown on the Avant Money website.

How much balance can you transfer to your An Post card?

You can transfer up to 95% of your credit limit.

You have 90 days from opening the account to benefit from the balance transfer offer.

How long does a balance transfer take?

It takes one to two working days to process a balance transfer, depending on the day and time.

If you make the transfer before 2.30pm on a weekday, it will take one day. Transfers made either after 2.30pm, or on weekends and bank holidays will take two days.

How long does a money transfer take?

It takes one to two working days to transfer funds from your credit card to your current account, depending on the day and time.

If you make the transfer before 2.30pm on a weekday, the funds will arrive in one day. Money transfers made either after 2.30pm, or on weekends and bank holidays will take two days to arrive in your current account.

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Typical Annual Percentage Rate (APR) is based on purchases of €1,500 and a credit limit of €1,500 plus annual Government Stamp Duty of €30. Data valid as of 23/11/2023