PTSB Ice Visa Credit Card Review: 0% Interest Rate on Balance Transfers and Purchases
PTSB Ice Visa Credit Card will provide you 0% fixed interest on balance transfers for the first 6 months and 0% fixed interest on new purchases for the first 3 months.
We have compiled these resources without taking into account your personal objectives, circumstances, financial situation or needs. Therefore, before acting on any information contained on this website you should consider the appropriateness of the information having regard to your objectives, financial situation and needs, and seek professional advice where appropriate. You can read the full Terms of Use.
Summary:
A simple no annual fee credit card that offers no interest charge on balance transfer or purchases for a time period from opening the account.
Pros:
- 0% fixed interest on balance transfers for the first 6 months
- 0% fixed interest on new purchases for the first 3 months.
- A second card for a family member for free (once they’re over 18)
- No day-to-day transaction fees when you use your card to make purchases
Cons:
- No extra rewards or benefits
- Higher APR
Permanent TSB Ice Credit Card
- Monthly Fee: €0
- Intro Offer: 0% interest free on purchases for first 3 months
- Interest Rate: 16.50% variable on all purchases
- APR: 22.53% variable
- Currency Conversion Fee (POS/ATM): 1.75% (Europe) and 3.5% (other region)
- Stamp Duty: €30 annually
- Balance Transfer: 0% fixed interest on balance transfers for first 6 months
- Additional Card Fee: €0
- Late Payment Fee: €7.5
- Cash Advance Fee: 1.5%
PTSB Ice Visa Credit Card Product Details
- Intro Offer: 0% fixed interest on balance transfers for the first 6 months. Plus 0% fixed interest on new purchases for the first 3 months.
- Verified by Visa: PTSB Ice Visa credit card is on Visa payment network and will get Protection against fraud when shopping online with Verified by Visa.
- No Annual fee and €30 Government stamp duty.
- A second card for a family member for free (once they’re over 18).
- APR 0f 22.35% for example for a credit limit of €1,500 and you use up, you repay the €1,500 in 12 equal monthly instalments of €125 plus any interest charged for that month at a purchase interest rate of 16.50% (variable), 22.53% (variable) APR. The total amount that you will pay back will be €1,664.06, which includes Government stamp duty of €30.00 and interest of €134.06.
View Terms and Conditions
Compare Similar Credit Cards
PTSB Ice Visa Credit Card
Annual Fee €0
Introductory Offer: 0% fixed interest on balance transfers for the first 6 months and 0% fixed interest on new purchases for the first 3 months.
APR: 22.53 % Variable
An Post Classic Card
Annual Fee €0
Introductory Offer: Credit card that offers 0% APR on balance transfers for 12 months. Best alternative for a credit card balance transfer.
APR: 22.9% variable
AIB Platinum Card
Annual Fee €0
Intro Offer: Spend over €5,000 and up to €50,000 for a 0.5% of that amount back max is €225 per year. Offers premium benefits with no annual fees.
APR: 17% Variable
What are the Benefits and Perks of Ice Visa Credit Card?
Card type: Balance transfer card
Annual fee: PTSB Ice Visa Credit Card charges no annual fee.
Intro Offer Interest Rate: 0% fixed interest on balance transfers for the first 6 months Plus 0% fixed interest on new purchases for the first 3 months
» MORE: Best Balance Transfer Credit Cards
Free Additional Cardholders: A second card for a family member for free (once they’re over 18).
Foreign transaction fees: No day-to-day transaction fees when you use your card to make purchases (fees will apply for the use of the card for the purposes of obtaining cash or cash substitute and non-euro transactions).
You Might Want To Consider a Different Credit Card
Short 0% Intro Interest Rate on Balance Transfer: The 0% interest rate for balance transfers is only for 9 months, is not much of an incentive to keep using the PTSB Ice Visa Credit Card because there are cards that offer longer time periods. So if you are looking to carry balance from an existing credit card into a new one for a longer period, An Post Classic Credit Card is your best alternative. You are able to lower your interest payments on balance transferred for 1 year.
Short 0% intro period on New Purchases : Again the short 0% intro offer that will get you a reprieve from interest on new purchases for just 3 months, . Other cards offer long 0% intro APR periods on new purchases.
High APR and No Cash Back offer: You can find a selection of credit cards that offer cash-back with lower APR rates. AIB Platinum Visa Card has no annual fee and you can earn 0.5% cash back of £225 in each 12 months you can decide to pair them with this card if you make large purchases yearly and will benefit from Cash Back.
See our Coins to Asset Best Credit Cards in Ireland reviews to compare with other cards.
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.
We want to hear about your experience on PTSB Credit Cards
