Transfer your existing Credit Card balances to our Credit Card and pay 0% interest for the first 14 months. A 2.98% balance transfer fee applies. Balance transfers2.98% balance transfer fee applies. Offer available to new customers only. Transfers must be made within 3 months of account opening. Each balance must be a minimum of £100 and a maximum of £200 under your credit limit. must be made within three months of account opening.
Key benefits
- Pay no fees: on any purchases you make overseas in a foreign currency, even when you’re shopping from home, online or over the phone
- Pay no cash feeCash Fee was formerly known as the Cash Advance Fee: when using your Credit Card to buy travel money at the Post Office
- Pay 0% interest: on all your purchases for the first three months
Post Office® Credit Card is provided by Bank of Ireland UK
| REPRESENTATIVE EXAMPLE |
16.9% APRAnnual Percentage Rate of charge – this shows the overall cost of borrowing, taking into account the term, interest rate and other costs.
Representative (variable) |
16.9% p.a.
Purchase rateThis is the interest you’ll be charged on all purchases you make on your Credit Card, unless you pay off the balance in full each month . (variable) |
£1,200
Assumed credit limit |
READ OUR SUMMARY BOX BEFORE APPLYING
Also included with your card
As well as the benefits above, our Credit Card also comes with these features.
Free purchase protection from loss and theft for almost anything you buy with your card for up to 90 days. Terms, Conditions, Limitations and Exclusions apply. Purchase Protection Insurance is underwritten by Ageas Insurance Limited.
No annual fee.
An extra 0% on new balance transfers2.98% balance transfer fee applies. Offer available to new customers only. Transfers must be made within 3 months of account opening. Each balance must be a minimum of £100 and a maximum of £200 under your credit limit. for five months on the second and third anniversary of taking your card out. 2.98% fee applies.
Accepted in over 32 million locations worldwide.
Add up to three additional cardholders for free. These cardholders will be linked to your account and share your credit limit. Just call 0845Call costs may vary depending on your service provider. Calls may be monitored or recorded for training and compliance purposes.
607 6500 to arrange.
The primary account holder is responsible for all balances on any additional card. All additional cardholders must be a UK resident and aged 18 or over.
MasterCard® SecureCode™ for extra protection when you shop online. Add a security password to your Credit Card which you’ll be asked to enter to confirm every online transaction.
Bank of Ireland UK subscribes to the lending code.
Definitions
APR: Annual Percentage Rate of charge – this shows the overall cost of borrowing, taking into account the term, interest rate and other costs.
Purchase rate: This is the interest you’ll be charged on all purchases you make on your Credit Card, unless you pay off the balance in full each month .
Balance transfers: 2.98% balance transfer fee applies. Offer available to new customers only. Transfers must be made within 3 months of account opening. Each balance must be a minimum of £100 and a maximum of £200 under your credit limit.
Dynamic Currency Conversion: This is an optional ‘service’ provided by individual retailers or at ATMs when you’re overseas. It gives you the option to pay in either the currency of the country you’re visiting or in pounds sterling. It should always be performed with your prior consent. If you opt to pay in pounds sterling the payment will be converted from the local currency to pounds sterling by the retailer or bank who will apply their own Non Sterling Transaction Fee. If you choose the local currency, such as Euros, we process the overseas transaction, so your card doesn’t incur any fees when you use it overseas.
0800: Calls to 0800 numbers are normally free from UK landlines but charges may apply from mobile phones. Calls may be monitored or recorded for training and compliance purposes.
0845: Call costs may vary depending on your service provider. Calls may be monitored or recorded for training purposes.
Non-Sterling Transaction Fee: Non-Sterling Transaction Fee, formerly known as a Cross-Border Handling Fee is a fee charged to an overseas purchase made by you or any Additional Cardholder.
Cash Fee: Cash Fee, formerly known as a Cash Advance Fee is a fee associated with any Transaction under which you or any Additional Cardholder receive case or a cash substitute by using your card overseas.
Save up to £350 with a Post Office® Credit Card
Take advantage of our great balance transfer deal of 0% for the first 14 months, and you could save up to £350. See how much you could save by transferring your balance from your existing Credit Card:
| Credit Card |
Representative APRAnnual Percentage Rate of charge – this shows the overall cost of borrowing, taking into account the term, interest rate and other costs. |
Savings based on a £2000 Balance Transfer |
| Tesco Purchase |
16.9%
|
£329
|
| Barclaycard Platinum Purchase |
18.9%
|
£337
|
| Halifax All in One |
17.9%
|
£350
|
| With Post Office Credit Card, you could save up to £350 |
Information correct as at 29 November 2012. The table above is an illustrative example based on a range of cards with varying APRs. Based on a balance transfer of £2000 with only the minimum payment being made each month and no further activity on the account. Savings are based on the interest paid over the first 14 months only. Balance transfer fee of 2.98% has also been included within the calculation. The calculation of savings assumes that for competitor cards the standard rates apply and excludes any short term offers. All figures are for illustrative purposes only as our competitors may have different ways of calculating and applying interest.
Transferring your balance is easy
You can do it as soon as you apply for your Post Office Credit Card or even once you’ve received it. Just give us a call on 0845Call costs may vary depending on your service provider. Calls may be monitored or recorded for training and compliance purposes.
607 6500 and we’ll take care of things.
| REPRESENTATIVE EXAMPLE |
16.9% APRAnnual Percentage Rate of charge – this shows the overall cost of borrowing, taking into account the term, interest rate and other costs.
Representative (variable) |
16.9% p.a.
Purchase rateThis is the interest you’ll be charged on all purchases you make on your Credit Card, unless you pay off the balance in full each month . (variable) |
£1,200
Assumed credit limit |
The Post Office® Credit Card can make your money go further, however far you travel. Here are some of the reasons why:
No fees on purchases overseas
Remember, no fees on any purchases you make overseas, even when you’re shopping from home, online or over the phone, in a foreign currency. To check today’s exchange rate use the MasterCard Currency Conversion Tool.
No cash fee when purchasing Post Office Travel Money
If you use your Post Office Credit Card to pay for your currency, online or in branch, you won’t be charged the usual cash feeCash Fee was formerly known as the Cash Advance Fee.
Using your Credit Card overseas
Before you use your Credit Card overseas make sure you:
- Remember your PIN. Before you go away make sure you know your Credit Card PIN. If you’ve forgotten it, please call our Customer Service Team and they can help.
- Pay your Credit Card bill. A Direct Debit is a convenient and easy way to make your monthly payments. Setting up a Direct Debit means that your payment is taken automatically each month, so you don’t have to worry that you might forget to make it. Call our Credit Card Customer Service Team and they can help you.
- Understand what is meant by Dynamic Currency ConversionThis is an optional ‘service’ provided by individual retailers or at ATMs when you’re overseas. It gives you the option to pay in either the currency of the country you’re visiting or in pounds sterling. It should always be performed with your prior consent. If you opt to pay in pounds sterling the payment will be converted from the local currency to pounds sterling by the retailer or bank who will apply their own Non Sterling Transaction Fee. If you choose the local currency, such as Euros, we process the overseas transaction, so your card doesn’t incur any fees when you use it overseas. and how it could affect you.
- Are aware of any Credit Card charges you could incur overseas. Some Credit Cards charge commission on purchases overseas. We don't. If you take cash out of an ATM we will charge you a cash feeCash Fee was formerly known as the Cash Advance Fee and a higher interest rate.
- Take a look at our table below which shows you the cost of using your Post Office Credit Card for overseas transactions.
The information contained within this table shows you the cost of using your card for overseas transactions
| Overseas Transaction |
Euros |
Exchange Rate |
Sterling Amount |
Non-Sterling Transaction FeeNon-Sterling Transaction Fee was formerly known as the Cross-Border Handling Fee |
Cash FeeCash Fee was formerly known as the Cash Advance Fee Subject to a £3.00 minimum charge |
Total |
| Purchase |
€100.00 |
1.236174 |
£80.89 |
0.00% |
n/a |
£80.89 |
| Cash Advance |
€100.00 |
1.236174 |
£80.89 |
0.00% |
2.50% |
£83.89 |
| Purchase of Foreign Currency in a Post Office Branch/Online |
€100.00 |
1.236174 |
£80.89 |
0.00% |
n/a |
£80.89 |
Information correct as at 05/11/2012.
The table above is an illustrative example based on an exchange rate of 1.236174 and a €100 spend.
The exchange rate used is a sample rate provided by the UK Cards Association. The actual rate applied will be the daily MasterCard exchange rate. This is the exchange rate set by MasterCard, from time to time, as shown, where applicable, on your statement;
MasterCard exchange rates can be found at mastercard.com/global/currencyconversion
The rate that appears on your statement will be calculated according to the prevailing rate at the time the transaction is made.
A cash feeCash Fee was formerly known as the Cash Advance Fee will only apply to cash transactions. The fee in the example above is the current fee for the Post Office® Credit Card. The ATM provider may apply additional fees and cash withdrawal limits.
A non-sterling transaction feeNon-Sterling Transaction Fee was formerly known as the Cross-Border Handling Fee may be charged to transactions that occur in a currency other than the currency of the country in which your card has been issued. This fee is not applicable for Post Office Credit Card customers.
Foreign currency obtained from the Post Office is treated as a purchase as outlined in the example above.
Please also refer to your statement for details of any fees that have been applied to your account following use of your card overseas.
For more detail on using your card overseas, please refer to your Terms & Conditions.
| REPRESENTATIVE EXAMPLE |
16.9% APRAnnual Percentage Rate of charge – this shows the overall cost of borrowing, taking into account the term, interest rate and other costs.
Representative (variable) |
16.9% p.a.
Purchase rateThis is the interest you’ll be charged on all purchases you make on your Credit Card, unless you pay off the balance in full each month . (variable) |
£1,200
Assumed credit limit |
