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Ireland’s best Credit Card* with 9 months 0% interest on purchases

Put the power back in your pocket with Flex - get Ireland's best purchase rate offer**

Flex Credit Card benefits

0% interest

Pay off your purchases with no interest at all for 9 months**

Instalment plan

Spread the cost of larger transactions over 12 months at a great lower rate. Available with limited merchants where you see the Mastercard instalment symbol.

Flexible Funds

Transfer from your credit card to your current account when you need it, wherever you are, fee free.+

Online Application

Check your eligibility in seconds

Quick AIP

Approval in principle in minutes

Additional Cardholders

Add up to 3 free additional cardholders

Apply Now

Apply online or by calling our dedicated team on 01 9456714 (8am - 8pm Monday to Friday, and 8am - 2pm Saturday excluding Bank Holidays).

Your Credit Card app is here!

  • View your balance and transactions details
  • Approve online purchases
  • Get alerts for activities on your card
  • Freeze/unfreeze your card instantly
  • Make a payment to your account with a debit card
  • Set up Apple Pay or Google Pay
Download in the App Store Download in Google Play
Credit Card App

Fast track your Credit Card

To apply, you will need to upload the following to the Document Hub.
Additional details may be required.

Proof of Identity

Such as Passport / Driver's Licence

Proof of Address and Income

Such as a utility bill and up to date bank statement 

Proof of PPS number

Such as a recent payslip

Transaction type Typical APR Interest Rates (Variable) Interest Rates (Fixed)
Purchases 15.7% or 22.9%++ 10.8% or 16.8%++ 8.6%
Cash withdrawals   16.8%  
Introductory offer on purchases     0% for first 9 months**
Instalment Plan 8.6% 8.3%  

Things to know

Do you have a Credit Card balance?

The An Post Money Classic Card offers 0% interest for a whole year on balances transferred
Classic Credit card
Classic Credit card

Get in touch

If you have any questions about our credit card or your application, please contact our customer service team.
Contact us
Contact us

Are you an existing Credit Card customer?

Login to your online banking account to manage your Credit Card account

Warning: If you do not meet the repayments on your credit agreement your account will go into arrears. This may affect your credit rating which may limit your ability to access credit in the future.

Once an instalment plan is ended it cannot be reinstated.

**Information correct as of 5th September 2023, source Lending criteria, terms and conditions apply. Standard variable rate will apply once the introductory period ends. You’ll need to pay your minimum monthly repayment on time each month and stay within your credit limit to keep your promotional rates. 9 months 0% interest on purchases does not apply if you use the instalment plan. 
 +The interest rate on money transfers is same as the standard purchase rate on your card and you can transfer from €100 up to 95% of your credit limit.  
++Rate is based on your financial profile and credit history. A higher rate may apply. 22.9% APR assumes a credit limit of €1,500 drawn down in one transaction and repaid over 12 months in equal monthly instalments, and Government stamp duty of €30. The total amount repayable is €1,666.50 and cost of credit is €136.50. 

The An Post Money Flex Credit Card is issued by Avantcard DAC pursuant to license by Mastercard International Incorporated. 
An Post trading as An Post Money is authorised as a credit intermediary by the CCPC. An Post acts as a credit intermediary on behalf of Avantcard DAC, who provide loan and credit card services and facilities. Avantcard DAC trading as Avant Money is regulated by the Central Bank of Ireland. 

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Avantcard DAC trading as Avantcard is regulated by the Central Bank of Ireland.