Credit Cards

Credit Cards in Ireland with introductory  interest  free offers  or low interest for new customers :  Updated May 30th 2017.

Some credit card providers in Ireland have introductory offers for new customers which usually involves several months of interest free credit. These offers can be useful if you have a large balance on an existing credit card and the provider is offering zero interest on balance transfers.  (Tesco Personal Finance are no longer accepting applications for credit cards.  )

Chill Money recently started providing Mastercard credit cards . They are offering 9 months interest free on balance transfers

Bank of Ireland offer  interest free period of 7 months on balance  transfers –  ( OR 0% for 6 months on purchases). Apply Here

PTSB are offering 0%  interest on balance transfers for 6 months plus 0%  on purchases for 3 months.

KBC’s credit card is  interest free for 6 months just on  balance transfers.

Ulster Bank’s Gold Mastercard  Card offers  0% interest for 6 months on purchases and 3.9%  for 12 months on balance transfers

AIB’s best offer is a rate of 3.83% on both balance transfers and purchases – for 12 months

See Credit Cards With Lowest Interest Rates

Remember that any  lower introductory rate on balance transfers only applies to your pre-existing balance amount, you will usually pay the regular rate, which will be higher, on any additional purchases on the new card. You will also still be expected to pay a minimum payment each month .

Tip : If you are moving all your debt from one credit card to another – don’t forget to write to your old credit card company asking them to close your account and cancel your card. If you’ve already paid stamp duty in the current tax year, then they will send you confirmation that your account is now closed. Send this to your new credit card provider so you are not charged stamp duty twice in the same year.