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Choosing a Credit Card

Not sure which Credit Card to choose? From balance transfers to purchases, we’ll help you find the right card for your needs.

Every Post Office Money® Credit Card is unique. Which one is right for you?

We have carefully designed our three Credit Cards to give you a unique set of benefits.

If you’re after a long, interest-free balance transfer period or would like interest-free purchases, our cards have the flexibility you need.

Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.

 

What would you use your Credit Card for?

Start by thinking how you might use your card – not just today but in future as well.

For example, you may want to transfer an existing balance, pay for goods online or in a store, or use it to make a one-off big purchase.  You may also find it more convenient – and more secure – to use a Credit Card when travelling abroad, rather than carrying all of your cash with you.

To help you find the best Credit Card, consider the different features between cards and think about how likely you are to need them. Here are some of the most common features you might want to consider.

Balance transfers

You should always think about how you’ll pay off any Credit Card balances in full before getting into debt.

Some cards give you the option to transfer an existing balance onto your new card with an interest-free period. If balance transfers are important to you, look for a long interest-free period and check if there are any fees to pay.

Our most suitable cards for balance transfers: 

Balance Transfer Card

Our longest balance transfer period

Find out more

Platinum Card

Our lowest balance transfer fee

Find out more

Making purchases

Credit Cards can be a convenient way to borrow money in the short-term. When it comes to making purchases, they have a number of specific features – which depend on what and where you want to buy, and over what length of time.

Today, cyber-fraud is a growing concern for consumers. It is important to make your online purchases as secure as possible, and all of our Credit Cards offer extra security when shopping online.

Our most suitable cards for making purchases: 

Matched Card

Our longest purchase period

Find out more

Platinum Card

No fees for overseas purchases

Find out more

Buying in a foreign currency

When you’re abroad it can be hard to know how much Credit Card purchases will cost you. It’s not just about working out the exchange rate; there are often additional administration fees to be paid.

The same is true when you make online purchases in a foreign currency. What may seem like a bargain could turn out to cost you much more than you expect.

Our most suitable card for buying in a foreign currency is: 

Platinum Card

No fees for overseas purchases

Find out more

A range of features and benefits

Each of our cards is unique – but they share a few important benefits:

Travel money – Whichever Post Office Credit Card you choose, you won’t be charged a cash fee for taking out travel money from the Post Office either online or in a branch.

Coverage – Our cards are accepted in over 35 million locations worldwide.

Manage your account with your smartphone or tablet

Whichever card you choose, our Credit Card Mobile Servicing App puts you in control. Once you’ve activated your account you’ll be able to:

  • View your current balance
  • Make a payment
  • See your credit limit and the amount you have available to spend
  • View your recent and historic transactions
  • Tell us about any upcoming travel plans
  • Set up and change Direct Debits

Call Charges

0800: Calls to 0800 numbers are normally free from UK landlines and mobile phones. Calls may be monitored or recorded for training and compliance purposes.

0345: Calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages. Calls may be monitored or recorded for training and compliance purposes.

Small print

Credit is subject to status to UK residents aged 18 years or over.

Post Office Money® credit cards, personal loans and overdrafts are provided exclusively by Bank of Ireland (UK) plc. Post Office Limited is a credit broker and not a lender. Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Post Office Limited is registered in England and Wales. Registered Number. 2154540. Registered Office: Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ. Post Office Money and the Post Office Money logo are registered trademarks of Post Office Limited. Our FCA Register Number is 409080. You can confirm our registration on the FCA's website (www.fca.org.uk) or by contacting the FCA on 0800 111 6768.

Can we help?

To apply by phone, call:

0800 169 2000 8am-10pm, Mon-Fri
8am-6pm, Sat
10am-5pm, Sun and Bank Holidays

Customer Services:

0345 607 6500 8am-10pm, Mon-Fri
8am-6pm, Sat
10am-5pm, Sun and Bank Holidays

Report your card lost or stolen:

0800 169 2646 Lines are open 24 hours a day