Credit Cards

Our Credit Cards give you the flexibility to make purchases or transfer balances with 0% interest - and there's no fee when you buy travel money with our Credit Cards at the Post Office.

 

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

 

MATCHED CARD

Our longest 0% purchase period

  • 0% on balance transfers for 16 months†

  • 2.98% balance transfer fee

  • 0% on purchases for the first 27 months††
     

Representative Example
 

18.9% APR Representative (variable)
 

18.9% p.a. Purchase rate (variable)
 

£1,200 Assumed credit limit

MATCHED CARD

Our longest 0% purchase period

  • 0% on balance transfers for 16 months†

  • 2.98% balance transfer fee

  • 0% on purchases for the first 27 months††
     

Representative Example
 

18.9% APR Representative (variable)
 

18.9% p.a. Purchase rate (variable)
 

£1,200 Assumed credit limit

BALANCE TRANSFER CARD

Our longest balance transfer period

  • 0% on balance transfers for 37 months*
     
  • 2.49% balance transfer fee
     
  • 0% on purchases for the first 3 months

Representative Example
 

18.9% APR Representative (variable)
 

18.9% p.a. Purchase rate (variable)
 

£1,200 Assumed credit limit

BALANCE TRANSFER CARD

Our longest balance transfer period

  • 0% on balance transfers for 37 months*
     
  • 2.49% balance transfer fee
     
  • 0% on purchases for the first 3 months

Representative Example
 

18.9% APR Representative (variable)
 

18.9% p.a. Purchase rate (variable)
 

£1,200 Assumed credit limit

PLATINUM CARD

No fees on overseas purchases

  • 0% on balance transfers for 22 months**

  • No balance transfer fee

  • 0% on purchases for the first 3 months

Representative Example

 

17.8% APR Representative (variable)

 

17.8% p.a. Purchase rate (variable)

 

£1,200 Assumed credit limit

PLATINUM CARD

No fees on overseas purchases

  • 0% on balance transfers for 22 months**

  • No balance transfer fee

  • 0% on purchases for the first 3 months

Representative Example

 

17.8% APR Representative (variable)

 

17.8% p.a. Purchase rate (variable)

 

£1,200 Assumed credit limit

Important information

Matched Credit Card, balance transfers, and purchases:
 Balance transfers must be made within 3 months of account opening.
†† A transaction must be made within 3 months of account opening to qualify for 0% for the first 27 months otherwise a purchase period of 0% for the first 16 months will apply.

Balance Transfer Credit Card balance transfers:
* You may receive a shorter balance transfer introductory period (26 or 18 months) and a different APR (21.9% or 24.9%) based on your individual circumstances. An initial 2.98% fee applies, however we'll reduce this to 2.49% by refund within 90 days of the balance transfer transaction date. Balance transfers must be made within 3 months of account opening.

Platinum Credit Card balance transfers:
** Balance transfers must be made within 3 months of account opening.

Choosing a Credit Card

Which of our cards is best suited to your current needs.

Using your card abroad

A Post Office Credit Card could make your money go further, however far you travel.

Credit Card mobile app

It's now even easier to manage your credit card on the move using our mobile app.

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.