Choose Ireland's best 0% interest Credit Cards* and make better happen for your money!
By switching to an An Post Money Credit Card, you can transfer your current balance or select a new card to enjoy lower interest rates, easier repayments, and take better control over your finances. This page provides all the essential details, helping you compare our credit cards, learn how to make the switch, and understand important considerations before you get started.
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Switch and save with Ireland’s best 0% interest credit cards.* With the Classic Card, you won’t pay any interest for 12 months* when you transfer a credit card balance from another provider, helping you save more. With the Flex Card, you won’t pay any interest on purchases for the first 9 months.*
Apply online in minutes and start using your new card as soon as it’s activated. Add up to 3 additional card holders at no extra cost. Switching your credit card in Ireland has never been easier.
Enjoy a smoother experience with the An Post Money Credit Card app. Giving you full visibility of transactions, ability to approve online purchases, get alerts for activities on your card and freeze/unfreeze your card instantly.
| Credit Card | Intro rate | Ideal for |
|---|---|---|
| Classic Credit Card | 0% on balance transfers for 12 months* | Anyone switching credit card debt from another provider. |
| Flex Credit Card | 0% on purchases for 9 months* | Everyday spending and spreading the cost of larger purchases. |
Apply online or call our dedicated team on 01 9456714 (8am-8pm Monday to Friday, and 8am-2pm Saturday excluding Bank Holidays).
Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit report which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.
*Information correct as of 1st May 2026, source CCPC.ie. Lending criteria, terms and conditions apply. You’ll need to pay your minimum monthly repayment on time each month and stay within your credit limit to keep your promotional rates. Classic Credit Card balance transfer offer is valid for transfer 90 days from opening account. Standard variable rate of 16.8% nominal, 22.9% Annual Percentage Rate (APR) will apply once the introductory period ends. Representative example: 22.9% APR assumes €1,500 credit limit drawn down in one transaction and repaid over 12 months in equal monthly instalments, and Government stamp duty of €30. Total amount repayable €1,666.50, cost of credit is €166.50.
**Money Transfers are available to the main cardholder only and subject to credit approval. You can transfer from €100 up to 95% of your credit limit. The interest rate for Money Transfers on the Classic Credit Card is the same as the standard variable rate on your card (16.8%).
The An Post Money Classic and Flex Credit Cards are issued by Bankinter S.A. pursuant to license by Mastercard International Incorporated.
An Post acts as a credit intermediary exclusively on behalf of Bankinter S.A., who provide loan and credit card services and facilities. An Post trading as An Post Money is authorised as a credit intermediary by the CCPC. Bankinter S.A., trading as Avant Money, is authorised by the Banco de España in Spain and is regulated by the Central Bank of Ireland for consumer protection rules.
