For smart spending at home and abroad

There's even more to your Platinum Credit Card

For big buys or little treats, at home or abroad, our Platinum Credit Card makes it easy to pay securely.
As well as great introductory rates, it gives you all these benefits too:

• Buy Travel Money easily – no cash fee when you pay with your card in a Post Office branch or online

• Accepted worldwide – MasterCard is welcomed in over 35 million places

• Includes MasterCard® SecureCode™ – helps protect you from online fraud

• Contactless payments – just tap and pay for lower-value purchases in seconds

• Handy mobile app – check your account anywhere, plus online servicing for full control

Easy online servicing and mobile app

When you like to be on top of your spending, you'll need tools that make managing your money as easy as possible, wherever you go.

With our mobile app you can check your balance and transactions, make payments and set up or change Direct Debits at any time.

When you need more control – like access to your PIN or to transfer a balance – there's our full online servicing. Just sign up and access it any time from a laptop or desktop.

Here's what you can do with them

• Check your balance
• View your transactions
• Make a payment
• Set up or change a Direct Debit
• See, download and print recent transactions^
• Transfer a balance^
• See your PIN^
• Update your contact details^

^With online servicing only.

Already an existing customer?

Manage your Post Office Money® Credit Card online or get the mobile app.

Find out how

Talk to someone
Customer Service:
0345 607 6500
8am-8pm, Mon-Fri
9am-5pm, Sat 
Closed, Sun
10am-5pm, Bank Holidays

Lost or Stolen Cards
If you need to tell us that your card has been lost, stolen or is 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.

Account Alerts
To help you manage your Credit Card, from time to time we will send you free alerts about your account. If you would like not to receive these alerts in the future please contact us. 

You may request a copy of your Agreement at any time while your account remains open.

Be clear on the charges

We know you'll want to know every detail of the card, how it works and any charges involved.

So here's a summary of our introductory offers, when they change, and when we'll charge you extra.

You'll find a full breakdown of our fees in the Platinum Card Product Summary box.

Our introductory offers

With our Platinum Credit Card you'll pay:

• 0% on purchases for the first 28 months

• 0% on balance transfers for the first 18 months

• For every balance you transfer there's a fee of 2.89%

To keep these rates, make sure you:

• Transfer balances within the first 3 months

• Stay within your agreed credit limit

• Make your minimum payment on time every month

After the offer period

When the 0% periods end any outstanding balance will be charged at your standard variable rate.
New purchases will be charged at the standard variable APR.

What fees do we apply?

We try to keep fees to a minimum but sometimes we do need to charge them

• If you're late with a payment or go over your credit limit we'll charge £12

• There is no fee to have the card 

Fee free travel spending

With your Platinum Credit Card, you'll pay no fees on:

• Purchases you make overseas

• Post Office Travel Money you buy with the card

 

If you take cash from an ATM while abroad you'll pay a 2.5% cash fee and higher APR of 27.9%.

 

Take a Platinum Credit Card when you travel

The Platinum Credit Card is a great choice for regular travellers.

It's convenient, secure, and helps you spend without incurring foreign exchange fees while you're away.

Convenient and secure

Security is the big advantage of taking a credit card when you travel. Many people don’t like carrying too much cash with them for obvious reasons. The great news is Post Office Money Credit Cards are accepted in 35 million locations worldwide – wherever you see the MasterCard sign.

Buy Travel Money with your card

If you do need some foreign currency, we won't charge you a cash fee for it.
Just buy Post Office Travel Money with your Platinum Credit Card.
You can get our best rates online. Or order and buy in any of our 11,500 branches.

Spend overseas with no fees

Want to buy something in another currency – online or while you're away?
The Platinum Credit Card won't charge you a fee. And if you pay your balance in full and on time when you get back, that emergency purchase or must-have item will cost you nothing extra.

Withdrawing cash abroad

You can take cash from an ATM overseas, but you'll be charged a cash fee of 2.5% and a higher interest rate of 27.9%. The ATM provider may apply additional fees and cash withdrawal limits.

Check the currency before you pay

Sometimes, retailers and ATMs will give you the option to pay in either the local currency or Sterling. It should always be performed with your consent. Choosing to pay in pounds could mean you're charged additional fees.

Stay in control while you're away

Our online servicing and mobile app let you view and manage your account and spending 24/7.

• Set up a Direct Debit for any payments you don't want to miss while you're away

• Keep track of your spending and stay within your credit limit

• If your mobile number or email adress have changed in the the last 12 months, please let us know your new details in case we need to contact you while you are abroad.

Remember your PIN

Make sure you know your credit card PIN and passwords before you travel.
If you forget, you can view your PIN through online servicing.

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).

General

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 Credit Card without affecting your credit record by using our Fast Checker service. Find out more about Fast Checker

Security

What do I do if my card is lost or stolen?

If you think your card has been lost or stolen, you should tell us straight away by phoning 0800 169 2646 or +44 117 373 3865 if outside the UK. This service is available 24/7.

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. You can also view your PIN online after you register for online servicing.

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. If you've forgotten your PIN, you can view it online using our online servicing. Alternatively call us on 0345 607 6500 and we'll re-send it to you.

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, they can send you a new one by post.

Servicing 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.

How can I pay my Credit Card bill?

The easiest way to make your Credit Card payments is to set-up a Direct Debit. You can set up a Direct Debit through our mobile app, your online account or by calling us on 0345 607 6500. You can also pay via our mobile app, online servicing, by post, at a Post Office branch, or if you use phone or internet banking with your Bank or Building Society.

How often will I receive a statement?

We will send you a statement every month unless there have been no transactions during that period and you do not owe anything. If you registered for paperless statement through our online servicing, you will get an email every month telling you when your statement is ready to view.

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.

Where can I get independent financial advice?

The following organisations offer completely independent financial advice:

The Financial Service Authority’s Money Advice Service

moneyadviceservice.org.uk

Citizen’s Advice Bureau

citizensadvice.org.uk

Consumer Credit Counselling Service

cccs.co.uk

The National Debtline

nationaldebtline.co.uk

Servicing your account through our mobile app

What services are available through the Post Office Money Credit Card mobile app?

Post Office Money Credit Card mobile app is designed to help you manage your credit card account in a way that is convenient to you. It currently allows you to;

• 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
•  Set up and amend a Direct Debit 

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

Yes. To register for the 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 my 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 online and over the phone

How do I manage my account online and over the phone?

Once you receive your card, you will be able to register for online servicing to access your account online. Registration is simple and won't take more than a few minutes. Details on how to register will be sent to you with your card. You can also manage your account over the phone by calling us on 0345 607 6500 or by registering for our free mobile app.

Securecode

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.

How does MasterCard SecureCode work?

When you purchase online, MasterCard SecureCode issues a receipt at the end of the checkout process. The receipt includes details of your current purchase, such as site name, purchase amount and date. You sign the receipt using your personal SecureCode password and click 'Submit' to proceed with the purchase. Without your SecureCode password, the purchase cannot take place. Please note not all transactions will require your MasterCard SecureCode.

What is the Card Security Code (CVC2)?

The Card Security Code (CVC2) is the last three digits that appear on the back of your card, on the signature panel. It is used as an extra security measure to make sure you are in the possession of the card when transacting online or activating the card.

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.

Can I purchase at online retailers that do not participate in the MasterCard SecureCode service?

Yes. However you will not be able to use MasterCard SecureCode. To complete the purchase at such online retailers, simply follow the regular checkout process.

Using your Card

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.

Is there a charge when I make a purchase overseas?

There are different charges depending on which Post Office Money Card you hold. No charge is applicable when using our Platinum Card, but our Balance Transfer and Matched Card customers will be charged a fee of 2.99%. When you use your card overseas your payment will be converted into sterling at the rate determined by Mastercard exchange rate.

Is there a fee when I purchase Post Office Money travel money with my Post Office Money Credit Card?

There is no fee when you use your Post Office Money Credit Card to purchase Post Office Money travel money. You can purchase Post Office Money travel money in a Post Office branch or online.

Do I get charged a fee for cash advances?

When you withdraw cash, you will be charged 2.5% of your withdrawal or £3, whichever is greater. There is also no interest free period on cash, so you will be charged interest even if the account is paid off in full.