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An Post credit card review

Get a market-winning 0% on balance transfers for 12 months with An Post.

If you’re looking for a credit card that supports everyday spending and has a range of other benefits, An Post could meet your needs. Ireland’s state-owned postal service company first entered the world of banking back in 2017. Today its portfolio of financial products – collectively known as An Post Money – includes personal loans, insurance and a pre-paid currency card that’s great for using abroad.

Here’s what you need to know about An Post’s credit card.

Finder does not currently have access to this credit card provider. Please review the product details, application criteria and terms and conditions on the provider website if you are considering applying for this product.

What are the benefits of using the An Post credit card?

Some of the main benefits of this credit card are:

  • 0% interest on balance transfers for 15 months – for new customers
  • Up to three additional cardholders can be granted access to your credit limit
  • Mastercard Identity Check – giving an extra layer of security when you shop online
  • Use the card across the globe wherever you see the Mastercard sign
  • Added perks by being signed up to Mastercard, such as its Priceless Cities offers
  • eStatements which easily let you review your card activity over the past three years
  • Simple online application process – no need for any appointments or calls

The typical interest rate for purchases and transfers is 16.8% (22.9% APR). This is the rate that any outstanding balance will be switched on to after the 0% interest rate ends.

What are the features of the An Post credit card?

An Post offers cashback on day-to-day spending with a number of its partners. This is a feature you’ll want to keep in mind when comparing the An Post credit card with other deals on the market.

This provider’s cashback offers include:

  • 5% on all Lidl transactions of €25 or more
  • 10% on credit card bills with the SSE Airtricity MoneyBack plan
  • 8% with Intersport Elverys
  • 5% on all transactions in Supermac’s chains
  • 5% on holidays with Sunway
  • 5% on direct payments to Post Insurance for car and home insurance
  • 5% on any books bought online with
  • 5% on purchases with

An Post automatically calculates your reward as you spend and credits your account on a monthly basis.

What costs are there to be aware of?

Like any other credit card, there are a number of charges and fees you need to be aware of. We’ve put together a table to highlight some of the main fees:

An Post fees
Irish government stamp duty€30 annually
Interest rate on money transfers16.8% interest rate on a transfer amount from €100 up to 95% of your credit limit
Cash transactions1.5% of the amount withdrawn with a minimum charge of €2.50. No maximum is applied
Late fee€15.24 is charged every time a minimum payment fails to reach and be cleared in your account on the due date
Payments processing fee at a post office€0.50 is charged for every payment
Over the limit fee€12.70 is charged if you exceed your credit limit
Returned payment fee€19.05 is charged every time a direct debit or other payment goes unpaid
Foreign currency fee2.65% of the total amount when carrying out transactions outside the euro zone

The simplest way to avoid paying interest on credit cards is by only using the card to buy goods and services.

Keep in mind that if you don’t meet the repayment plan on your credit card, you’ll go into arrears. This will negatively affect your credit rating and restrict your ability to access credit in the future.

Finally, always budget properly so that you’re in a position to pay off your bill in full by the repayment date.

What are the drawbacks of using the An Post credit card?

  • You will have to pay interest if your credit card bill is not paid off in full each month.
  • If you miss a payment, you will be subject to a late fee of €15.24
  • You will need to pay a penalty of €12.70 if you go over your credit limit
  • Your credit report could be affected if you miss or fail to make a payment on your credit bill

How to apply for the An Post credit card

It’s easy to apply for a credit card with An Post and this can be done online. Once you’ve logged your application, you’ll find out quickly if your application has been approved in principle.

Once you’ve secured approval, An Post will send you an email with a link to its document hub where you can finalise the last few steps. You should then receive your new card within a week.

Eligibility criteria

All An Post credit card applicants must be at least 18 years old. You’ll be subject to a credit check, and in order to be approved you must meet its eligibility requirements. You’ll be asked for

  • Your total monthly income
  • How many dependents you have
  • Monthly rent or mortgage repayments
  • Any other monthly loan repayments

To take advantage of the balance transfer offer, you’ll need to complete your balance transfer within the first 90 days of opening your account to qualify for the 0% interest rate.

Required documents

  • Proof of your income – typically, you’ll need to show bank statements for the last three months
  • Proof of address – such as a utility bill or bank statement
  • Your ID – usually your passport or driving licence

Pros and cons of the An Post credit card


Like with its current account, An Post rewards you for everyday spending across an impressive range of categories. Coupled with its attractive 0% rate of interest on balance transfers, this credit card is one you should give serious thought about. However, with a typical interest rate of 16.8%, this card isn’t the most competitive on the market. So, it’s always good to review your options carefully and the easiest way to do that is by using our clear comparison service.

Frequently asked questions

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