Transfer your existing credit or store card balances to our Credit Card and pay 0% interest for the first 18 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.
Post Office® Credit Card is provided by Bank of Ireland UK
- 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
What you need to know
Pay on time each month and stay within your credit limit to keep your promotional rates.
When the promotional offer ends any outstanding amount will be charged interest at your standard variableA variable rate of interest can go up or down throughout the lifetime of a savings account. rate.
Until you repay your entire balance in full any purchases you make will incur interest at the applicable 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 ., from the date of the purchase until the purchase amount is paid in full.
Also included with your card
As well as the benefits above, the Credit Card also comes with these features:
Free purchase protection insurance. Insuring items against accidental damage, loss and theft for up to 90 days. Terms, Conditions, Limitations and Exclusions apply. Purchase Protection Insurance is underwritten by Ageas Insurance Limited.
No annual fee.
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 0845Calls to 0845 numbers may be charged at up to 5p per minute from a fixed line and calls from mobiles can be considerably higher. 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.
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: Is a fee charged to an overseas purchase made by you or any Additional Cardholder.
Cash Fee: Is a fee associated with any Transaction under which you or any Additional Cardholder receive cash or a cash substitute by using your card overseas.