Find the card that’s right for you

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

Whether you’re looking for a card to make a balance transfer, to make purchases or use on holiday, use our table below to compare which card best suits your needs.

          

Platinum Card

Matched Card

May be
suitable for

 

  • If you're looking to make a balance transfer
  • Using abroad – no fees on purchases overseas

 

 

  • If you're looking to spread the cost of purchases
  • If you're looking to make a balance transfer

 

Balance
Transfer
0% for 18 months. 2.98% fee applies and balance transfers must be made within 3 months of account opening. 0% for 16 months. 2.98% fee applies and balance transfers must be made within 3 months of account opening.  
Purchase 0% for 3 months 0% for 16 months

Important
information

Your personal APR will be dependent on your individual circumstances

Summary Box

Terms and Conditions

Your personal APR will be dependent on your individual circumstances

Summary Box

Terms and Conditions

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What you need to know

Here are a few important details that you need to know about our credit cards and promotional rates:

  • 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 variable rate.
  • Until you repay your entire balance in full, any purchases you make will incur interest at the applicable purchase rate, from the date of the purchase until the purchase amount is paid in full.

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: A payment we make on your request to another organisation which pays off or reduces the amount that you owe to that other organisation, excluding any Bank of Ireland company.

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.

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.

Platinum Card
Representative Example

17.8% APR

Representative (variable)

17.8% p.a.

Purchase rate (variable)

£1,200

Assumed credit limit

 

Matched Card
Representative Example

18.9% APR

Representative (variable)

18.9% p.a.

Purchase rate (variable)

£1,200

Assumed credit limit

Apply now

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Apply for a Platinum Card Apply for a Matched Card

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To apply by phone, call:

0800 169 2000

8am-10pm, Mon-Fri

8am-6pm, Sat

10am-5pm, Sun and bank holidays

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