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 for flexible, monthly repayments that suit you.
PTSB’s ICE Visa credit card
Get an introductory offer on balance transfers and purchases and use your PTSB credit card worldwide with no day-to-day transaction fees.
Other features of the PTSB ICE Visa credit card include:
- Credit limits of €1,000 to €74,999
- 0% interest on new purchases for the first 3 months
- 0% interest on balance transfers for the first 6 months
- Choose your own repayment date and amount**
- Online shopping protection with Verified by Visa
*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.
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.
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, see 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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