Platinum Credit Card

  • 0% interest on purchases for the first 28 months
  • No fees on purchases overseas

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

Representative Example

18.9% APR

Representative (variable)

18.9% p.a.

Purchase rate (variable)


Assumed credit limit

Why choose
this card?

Post Office Money Mastercard credit cardThe Platinum Credit Card may be right if you want to:

  • Use your Credit Card abroad as there are no fees for overseas purchases.
  • Make purchases with a credit card without paying interest for the first 28 months.
  • Pay 0% on balance transfers for 18 months. A 2.89% fee applies and balance transfers must be made within 3 months of account opening.
  • Buy travel money at the Post Office with your Credit Card as we won’t charge you a cash fee.

What you need to know:

  • Your personal APR will be dependent on your personal circumstances. You may receive a different APR of 22.9% depending on your individual circumstances.
  • Don't forget to 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.
  • You may request a copy of your Agreement at any time while your account remains open. 

Not the right credit card for you? Try our Matched Card or our Balance Transfer Card instead.

Extra security online

Our Credit Cards use MasterCard® SecureCode™ which gives you an extra layer of protection for online transactions.

Manage your account with your smartphone or tablet

Stay in control of your finances whenever you like with our Credit Card Mobile Servicing App. Available from the Apple App Store or Google Play.



How does a Credit Card work?

A Credit Card is a form of payment that enables you to pay for goods and services in shops or online.  Once you have obtained a Credit Card, you have an agreed credit limit with your provider which is the maximum amount you can spend using the card.  You are required to pay off any balances on the card in full at the end of each month, otherwise you are charged interest on the amount outstanding on your account.  You can also use Credit Cards to transfer balances from other cards, and to withdraw cash.

What sort of borrowing should you use a Credit Card for?

A Credit Card is designed to provide short-term credit.  As such it is not suitable for long-term borrowing as it would be an expensive source of such credit.

Applying for a Credit Card

Will I need a credit check?

Yes. A credit check will be completed to ensure that the Post Office Money Credit Card you’ve applied for is right for you. This search will be recorded by the agency we use and may impact your ability to get credit in the short term.

Details of the account, if opened, will be passed to Credit Reference Agencies and information about the running of the account such as the limit and balances as well as payment performance may be used by others.

Who do I contact if I do not receive my card?

Contact us on 0345 607 6500 straight away.

What can I do if my Post Office Money Credit Card application is declined and I would like to appeal?

If you would like to appeal our decision you may do so by calling our Customer Service Team on 0800 169 2000. You may be asked to provide additional information to support your appeal, although there is no guarantee that our original decision will be changed.

What is Fast Checker?

Fast Checker is a credit card eligibility tool. You can see how likely you are to be approved for a Post Office Money Credit Card without affecting your credit record by using our Fast Checker service. Find out more

Interest and Charges

Where can I find out about interest rate and charges?

You can find detailed information about our charges and interest rates in the Summary Box.

How is interest calculated?

Your Credit Card may have different rates of interest for purchases, balance transfers and cash withdrawals.

You’ll find your interest rates on your statement.

Interest is calculated as a percentage on the amount you borrow.  The longer it takes you to pay off your balance, the more interest you will have to pay.

Balance Transfers

How do I make a balance transfer?

You can request a balance transfer during the application process. You'll need the card details you wish to transfer the funds from including the card number and amount to be transferred.

If you've already applied and wish to make a balance transfer you can do this through your online account or you can call 0345 607 6500 and we can do this over the phone for you. 

The total balances we can transfer will depend on your credit limit. It may take between 2 and 3 weeks to process your application. Until then you may need to make a payment to your other Credit Card.

Security and Payments

What is MasterCard® SecureCode™?

MasterCard® SecureCode™ provides you with increased security when shopping online using your Post Office Money Credit Card. MasterCard SecureCode allows you to add a personal security password to your existing Post Office Money Credit Card which you then use to validate each online transaction. This helps to protect you from unauthorised use when shopping online.  Please make sure you read and agree to the Terms of Use, as activating the service indicates you have done so. For those online retailers who do not offer this service, simply follow the regular checkout process.

What do I do if I have problems during the activation process?

You can contact us on our Post Office Money Credit Card customer service line on 0345 607 6500. We will be happy to assist you with any problems and answer any questions you may have.

What is a Contactless payment?

Contactless is a fast, easy and secure way to pay for goods and services under £30 without entering a PIN. To make a payment, all you have to do is follow the instructions on the terminal and place your contactless card over the contactless reader.

How will I know what my PIN is?

Your PIN will be sent to you after your card. Make sure you memorise it and destroy any record of it. Never tell anyone else what your PIN is. Don’t forget you still need to sign the back of your card.

Will I be able to change my PIN?

Yes. You can change your PIN at most MasterCard branded cash machines, but you'll need to know what your existing PIN is to be able to do this.

What happens if I forget my PIN or get it wrong?

You'll have 3 chances to enter your PIN correctly when you're trying to pay. If you enter it incorrectly 3 times in a row your PIN will be locked and you'll need to unlock it before you can use it again. To unlock it call customer services on 0345 607 6500. If you've forgotten your PIN you can view your PIN through your online account or you can call customer services on 0345 607 6500 and they can send you a new one by post.

Managing your account

Can I manage my account online and over the phone?

Yes, there are three ways you can manage your account; through our mobile app, online and over the phone.

Can I get help if I get into financial difficulty?

If you do get into financial difficulty, it’s important that you let the Customer Service Team know as soon as possible so they can take steps to help.  You can call them on 0345 607 6500.

Servicing your account online

What services are available through online servicing?

  • View your current balance, credit limit, amount available to spend, minimum payment and payment due date
  •  Make a payment
  •  View your recent and historic transactions
  • Make a balance transfer
  • View and change your PIN
  • Amend your details
  •  Set up and amend a Direct Debit 
  •  Notify us of your travel plans

How do I register for online servicing?

To register for online servicing all you need to do is enter your Date of Birth, Mother’s Maiden name, and also your Post Office Money Credit Card number, name on card and expiry date. You must enter your name exactly as it appears on your card; if your title is displayed on your card ensure you include this too. You’ll then be asked to create a username, password and set a security question.

Is my balance up to date?

Your available balance will include all transactions that have been posted on your account. Sometimes, they can take time to reach us so might not show straight away.

Can I view and download my statement online?

Yes you can view and download your statement online. You can also opt out of receiving paper statements.

Can I opt back in to receive paper statements?

Yes you can change your statement preference at any time by logging into your online account and selecting ‘Statements ‘from the options on the left hand side and then select ‘Manage statements’.

Servicing your account through our mobile app

Do I need to register for Post Office Money Credit Card mobile app?

Yes. To register for the credit card mobile app, once you’ve downloaded it from the App Store or Google Play, you’ll need to enter a few details.  All you need to do is enter your Date of Birth, Postcode and Mother’s Maiden name, and also your Post Office Money Credit Card number and expiry date.  Other than that, you only need to setup a passcode and enter an activation code and you’re done!

Is the Post Office Money Credit Card app free to use?

Yes. Your mobile app is free to download and use.  Charges from your mobile network may apply, so please remember this – especially when you’re abroad.

Is my app secure?

Your app is protected by your passcode, which is unique to your mobile device. For an extra layer of security, as your passcode is specific to your mobile device, anytime you change or upgrade your mobile phone you will need to re-register for the app. 

The app will automatically log you out after 2 minutes of inactivity to ensure your data is kept secure. It will also automatically log you out each time you exit your app. Besides this, you should:

  • Always lock your phone or keypad
  • Never share your passcode
  • Never respond to texts that you haven’t requested

What if I lose my phone?

Access to your app is protected by your passcode, so without this your account is secure. If you ever leave your phone unattended, your app will automatically time out after 2 minutes of inactivity.  If you would like some added peace of mind, you can contact us on 0345 607 6500 and we can block your app on a particular mobile device. 


To use your app on a new device, please download it as before and complete the registration process, setting up a new passcode unique to that device – simple.

Is my balance up to date?

All your transactions show the time and date they were last updated.  Sometimes, they can take time to reach us so might not show straight away. 


Also, because you're using a mobile network, your data connection may occasionally be lost. Rather than cutting out, your app will continue to display the most recent data it has.


So the available funds shown might not be exactly up to the minute, but if you have an available data connection your app will never be more than 30 minutes out of date. You can see how up to date the information is from the date and time at the bottom of your screen.

Servicing your account over the phone

How do I manage my account over the phone?

All you need to access your acount over the phone is your credit card. Once you call us we’ll simply ask you to enter your 16 digit credit card number, your date of birth and your CCV number (the three digits on the back of your card) via the key pad on your phone. Once you’ve entered this information you’ll be able to access all the services available via our automated service.

How do I use the automated service?

Using the automated service is simple. All you need to do is listen to the list of options read out and then select which transaction you wish to use by selecting the option via your telephone keypad. Then the service will automatically direct you to the relevant channel. If you wish to talk to a member of our customer service team you can also select that option from the automated service.

What services are available over the automated service?

  • Make a payment
  • Check your balance
  • Check your recent transactions 

What if I need to speak directly to a member of staff?

If you need to speak to a member of our team the automated service will allow you to select that option once you have entered your details via your telephone keypad. If you do not have your personal details to hand, or if you enter them incorrectly, the service will automatically divert your call to a member of our service team. 



APR: Stands for Annual Percentage Rate. This is the annual rate that you will be charged for borrowing, if you do not pay your balance in full or on time. Your personal APR depends on your individual circumstances.

Balance Transfer: This is when you move debt from a credit or store card to another credit card. Most card providers will allow you to make multiple balance transfers from several cards on to one single card.

MasterCard Exchange Rate: This is the exchange rate set by MasterCard for transactions made in a foreign currency.

Purchase: Is where you use your credit card to buy goods or pay for services.

Representative APR: A Representative APR is the advertised APR which at least 51% of successful applicants will receive. Card providers will show the Representative APR as a Representative Example in their advertisements, so it makes it easier for you to compare different Credit Cards to help you decide which is best for you. However as APRs are based on an applicant’s individual circumstances, your APR could be different to the one that is shown in the advert.

Check if you're eligible for one of our cards without affecting your credit score

Apply now for an instant decision

Bank of Ireland UK adheres to the Standards of Lending Practice which are monitored and enforced by the Lending Standards Board. Please read the Statement of Lender and Borrower Responsibilities which sets out our key responsibilites.

Other Post Office Money® Credit Cards you might be interested in


Matched Card

0% on purchases and balance transfers


Balance Transfer Card

Our longest balance transfer period


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.

Lost or stolen cards

If you need to tell us that your card has been lost, stolen or likely to be misused, then you should call us on 0800 169 2646 or +44 800 169 2646 if abroad.

If we need to contact you about potential fraud on your account, we will do this via a secure channel including, but not limited to, SMS or Email.

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 ( 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-8pm, Mon-Fri
9am-5pm, Sat
Closed, Sun, Bank Holidays, 10am-5pm

Report your card lost or stolen:

0800 169 2646 Lines are open 24 hours a day

Apply now for an instant decision

Important information