PTSB credit cards
The PTSB credit card comes with both 0% balance transfers and purchases. So whether you’re focused on spending or looking to pay off another card, it could work for you.
Why choose a PTSB credit card?
Apply for a PTSB credit card in-app in minutes and use your PTSB credit card worldwide with Verified by Visa protection.
- Simple, fast approval on balances up to €10,000*
- 56 days interest-free credit when you pay your balance in full each month
- Accepted worldwide wherever you see the Visa logo
- Online shopping protection with Verified by Visa
- Spend securely with Apple Pay or Google Pay without a €50 limit
PTSB’s ICE Visa credit card
Get an introductory offer on balance transfers and purchases, and make flexible, monthly repayments that suit you.
Features of the PTSB ICE Visa credit card include:
* You must be an existing current account holder, have your salary paid into the account and be registered for online banking, Open24. ** Min 2.5% of your balance each month or €5, whichever is greater. ***Fees will apply for the use of the card for the purposes of obtaining cash or cash substitute and non-euro transactions
How to apply for a PTSB credit card
Existing customers who are registered for Open24, the PTSB online banking service, can simply apply via the app. In-app approval is subject to Open24 Online Banking registration with a PTSB salary mandated Current Account.
This is the quickest way to apply and could mean being approved in minutes.
If you’re a new customer or not registered for Open24 you can apply:
- In branch: Visit your local branch and speak to an adviser in person
- By phone: Call the PTSB team
Here’s more about the PTSB document requirements.
Before you apply, check if this card is right for you by comparing its features against other cards using our comparison.
More about PTSB
Regulated by the Central Bank of Ireland, PTSB has 98 branches nationwide and a Dublin-based support centre that’s open seven days a week, excluding bank holidays.
They offer a range of products suitable for day-to-day banking, saving and investing, borrowing, insurance and business banking.
Whether you’re looking for your first debit or credit card, are saving for your wedding, or want to invest in property - there’s a product that could fit your needs.
PTSB credit card FAQs
Can I increase my PTSB credit card's limit?
Yes if you meet PTSB’s criteria. If you’re interested in applying for a higher credit limit, visit your local branch.
They can review your current credit situation and decide if it’s possible to increase your credit limit. They will assess things like your income, outgoings and any other credit you have.
Will I be charged Government Stamp Duty twice if I switch card providers?
No. When you request to close your account, you’ll have to pay €30 Government Stamp Duty (GSD) but your provider should give you a letter confirming you’ve paid it.
You must forward this to the provider you’re switching to, in this case the permanent tsb Visa Department, to ensure you don’t pay twice.
Do I have to pay fees with a PTSB credit card?
There is no set up fee or monthly for the card but you’ll have to pay the annual Government Stamp Duty charge of €30.
There are also fees applied in different situations, for example:
- Making a late payment
- Withdrawing cash (cash advance)
- Going over your credit limit
- If you lose your card or it’s stolen
Here’s more information about the fees that apply and how much they cost.
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