Credit Card

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The Post Office Credit Card could make your money go further, however far you travel, with;

Post Office® Credit Card is provided by Bank of Ireland UK
  • No fees: on any purchases you make overseas in a foreign currency, even when you’re shopping from home, online or over the phone
  • 0% 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 the first 18 months. 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
  • 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
  • 0% interest: on all your purchases for the first three months

 Read our Summary Box and Terms and Conditions before applying.

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.

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: 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.


Post Office® Credit Card is provided by Bank of Ireland UK

Save up to £508 with a Post Office® Credit Card.

You could save up to £508 with our great balance transfer deal of 0% for the first 18 months. Please note, your transfer is subject to a 2.98% balance transfer fee which will increase the total amount you owe. 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 3 months of account opening. 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
Halifax All in One
17.9%
£401
Virgin Money
18.9%
£412
Barclaycard Plat Bal Trf 18 months
24.9%
£508
With Post Office Credit Card, you could save up to £508

'Source: Moneyfacts'

Information correct as at 24th May 2014. 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 18 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 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 and we’ll take care of things.

Read our Summary Box and Terms and Conditions before applying.


Post Office® Credit Card is provided by Bank of Ireland UK

The Post Office® Credit Card could 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, or 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.

 Read our Summary Box and Terms and Conditions before applying.

No cash fee when purchasing Post Office Travel Money

If you use your Post Office CredCR2557it 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. You can set this up through your online account or by calling 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 1.229223 £81.35 0.00% n/a £81.35
Cash Advance €100.00 1.229223 £81.35 0.00% 2.50% £84.35

Information correct as at 02/06/2014

The table above is an illustrative example based on an exchange rate of 1.229223 and a €100 spend.

The exchange rate used is a sample rate provided by MasterCard. 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.

Get your Credit Card Apply now

Small print

Credit is subject to status to UK residents aged 18 years or over. Post Office Limited works with the Bank of Ireland Group to provide financial services products to Post Office Limited customers. In relation to credit cards, mortgages and personal loans, Post Office Limited works exclusively with companies in the Bank of Ireland Group for the provision of credit.

In respect of insurance mediation activities 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.

The Post Office Credit Card is provided by Bank of Ireland (UK) plc. Bank of Ireland (UK) plc is incorporated in England and Wales under Company No. 7022885. Registered Office: Bow Bells House, 1 Bread Street, London EC4M 9BE. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc. Post Office Limited is registered in England and Wales. Registered number 2154540. Registered Office: 148 Old Street, London EC1V 9HQ. Post Office and the Post Office logo are registered trade marks of Post Office Limited.

Representative Example

17.8% APR

Representative (Variable)

17.8% p.a.

Purchase rate (Variable)

£1,200

Assumed credit limit

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To apply by phone, call:

0800Calls 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. 169 2000

8am-10pm, Mon-Fri

8am-6pm, Sat

10am-5pm, Sun and bank holidays

To make a balance transfer, call the Customer Service Team:

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

8am-10pm, Mon-Fri

8am-6pm, Sat

10am-5pm, Sun and bank holidays

Report your card lost or stolen:

0800Calls 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. 169 2646

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