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.
PTSB ICE Visa credit card, at a glance
The PTSB ICE Visa credit card offers introductory 0% interest on both purchases and balance transfers, making it suitable for short-term borrowing or clearing existing debt.
It may suit people who:
If you’re not a PTSB customer, you may need to open a current account before applying.
Why choose a PTSB credit card?
PTSB currently offers the ICE Visa credit card, designed for existing current account customers who want introductory 0% interest and flexible repayments.
Key benefits include:
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:
Is the PTSB ICE Visa credit card right for you?
Before you decide, it’s worth thinking about how you plan to use the card and what matters most to you: whether that’s 0% introductory offers, flexibility, or managing your card through Open24.
This card may work well if:
It may be less suitable if:
* 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.
How do I pay my PTSB credit card?
You can pay your PTSB credit card through Open24 online banking or the PTSB mobile app.
Most customers set up a direct debit to pay either the minimum repayment (2.5% of the balance or €5, whichever is greater) or the full balance each month.
You can also make a manual payment through your current account if you prefer more control over when you repay.
What interest rate applies after the 0% introductory period ends?
After the introductory 0% period finishes, the standard variable purchase and balance transfer rate will apply.
The exact APR (Annual Percentage Rate) may change over time, so it’s important to check PTSB’s latest terms and conditions before applying.
Do I need to be an existing PTSB customer to apply?
Yes. To apply for the PTSB ICE Visa credit card in-app, you must have a PTSB current account with your salary paid into it and be registered for Open24 online banking.
If you’re not currently a customer, you may need to open a current account before applying.
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 PTSB 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
You can find full details of current fees in PTSB’s latest Visa terms and conditions.
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