An Post Money Classic Credit Card: Ireland Best 0% Balance Transfer Offer
The card features a lengthy 0% intro APR period of 12 Months for balance transfers with a decent interest rate and money transfer facility
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Summary:
This Classic Credit Card is one of the best Irish Credit Card options to transfer balance from an existing credit card debt and pay it down without interest.
Pros:
- 0% interest on balance transfer for 12 months
- Fee Free money transfer from your credit card to your bank account.
- No annual fee
Cons:
- No rewards
An Post Classic Credit Card
- Monthly Fee: €0
- Intro Offer: 0% fixed interest on balance transfers for 12 months
- Interest Rate: 16.50% variable on all purchases
- APR: 22.9% variable
- Currency Conversion Fee (POS/ATM): Varied – Uses a mark up
- Stamp Duty: €30 annually
- Balance Transfer: 0% fixed interest on balance transfers for first 12 months
- Money Transfer: Available – 16.8% variable
- Additional Card Fee: €0
- Late Payment Fee: €15.24
- Cash Advance Fee: 1.5% with a minimum charge of €2.50
An Post Money Classic Credit Card Product Details
- Introductory offer rates of 0% interest rates on balance transfers for 12 months.
- APR of 22.9% variable and purchase interest of 16.8%
- Free money transfer from your credit card to your current account when you need it.
- 3 Additional card holders for free.
- View rates and fees
Compare Similar Credit Cards
An Post Classic Credit Card
Annual Fee
€0
Intro Offer: 0% fixed interest on balance transfers for 12 months
APR: 22.9% Variable
BOI Classic Credit Card
Annual Fee
€0
Intro Offer:0% on all purchases for first 6 months or balance transfers for 7 months
APR: 22.1% Variable
One Credit card
Annual Fee
€0
Intro Offer:0% on purchases for 3 months and balance transfers for 9 months. €150 cashback
APR: 22.9% Variable
What are the Benefits and Perks of An Post Money Classic Credit Card?
Introductory Offer on Balance Transfer
An Post Money Classic Credit Card holders will not pay interest for existing credit card balances transferred to the card for 12 months. The introductory offer of 0% interest rate on balance transfers is the longest intro for balance transfers right now in the Irish market.
Money Transfer
The card offers a free money transfer from your credit card into your current account, you can transfer from a minimum of €100 up to 95% of your credit limit. However you will pay interest rate on the transfer you make which is equal to the standard purchase rate.
Additional Card Holder
You get up to three (3) additional cards to your credit account for free.
» MORE: Credit Cards with Money Transfers
Annual fee of €0
Even though you have available to use the introductory interest-free period for 12 months for your balance transfers, the card is free and costs nothing to continue using it except for the required €30 Government Stamp Duty
Loyalty Program – Mastercard Priceless
You get access to the Mastercard’s Priceless programme where you get exclusive offers and access to unforgettable experiences and valuable everyday discounts in the cities where you live and travel.
» MORE: What to expect from Mastercard Priceless
You Might Want To Consider a Different Credit Card
Offers on both Purchases and Balance Transfers Not Available
The An Post Money Classic credit card only offers 0% interest on balance transfers only. If you are looking for a card with both 0% interest on purchases and balance transfers then Avant Money One Credit Card is for you.
Fees and Charges
The fees and charges on this classic credit card is high, for example late payment fees on the average costs €7.50 but Flex Credit Card charges €15.24. Bank of Ireland Classic Credit Card is a good alternative to An Post Money Classic credit card because you can still get 0% interest rate on purchases plus on balance transfers with reduced fees.
Check out Coins to Asset Best Credit Cards in Ireland to see how cards compare to their competition.
Review Methodology
Coins to Asset reviews credit card across many the factors. We analysed popular 14 credit cards available in Ireland to come up with the best cards for you. We looked at fees, interest rates, rewards and cash backs including the ease of redeeming the rewards. We also considered the monetary value of the benefits and perks and the overall value add of the card to the cardholder. Part of our review includes ease of credit card application, the simple reward structure, attractiveness of the features, and whether the card suits everyday use or best reserved for specific purchases. We give star ratings serve as a general guide of our comparison but it is only a consideration when you are choosing a credit card not a rule. Learn how Coins to Asset Rates Credit Cards.
Lynda Unogu MBA IMC (CFA UK) PMP
Lynda holds an MBA from University College Dublin and worked previously in product roles within financial services and technology firms like Mastercard, Citi Bank and JP Morgan. She constantly seeks to apply her expertise in financial services to the field of personal finance with the goal of helping people navigate the complexities of the finance.
Have you used An Post Credit cards?, we are keen to hear your experience on this product
