Credit Card Interest Free Offers

The Best Credit Cards in Ireland with introductory interest-free offers  or low interest for new customers: Updated Aug 4th 2019  .

Most of the banks in Ireland have special introductory credit card offers for new customers which usually mean a few months of interest free credit. These offers can be useful if you have a large balance on an existing credit card and the new card provider is offering zero interest on balance transfers.

        1.  An Post have a credit card with 12 months interest-free credit on balance transfers. (Mastercard).

        2. Ulster Bank’s Black Mastercard comes with 12 months 0% interest on balance transfers and 6 months interest-free on purchases.

        3. Bank of Ireland offers 7 months interest-free credit on balance transfers – OR 0% for 6 months on purchases (Mastercard). Apply Here .
          (If you have an income of €40,000 plus – you can apply for the BOI Platinum card which also comes with pretty good free travel insurance.)

        4. PTSB is offering 0%  interest on balance transfers for 6 months plus 0%  on purchases for 3 months. (Visa)

        5.  KBC’s credit card is interest-free for 6 months just on balance transfers. (Mastercard).

        6. Avant Card is giving  0% for 6 months on balance transfers and for 3 months on purchases  (Mastercard)

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


    Remember that any lower introductory rate on balance transfers only applies to your pre-existing balance amount. You will usually pay the regular interest 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.

    You can check which credit card has the lowest interest rate here.

  1. Also – all credit cards will charge extra fees when used to purchase in non-Euro currencies – you can see those charges here .
  2. If you can’t get a credit card or don’t want one – you can get a debit card from all the main banks. With a debit card, the money is taken from your account straight away.
  3. In Ireland, there is no difference between consumer protection against fraud or non-supply of goods provided by credit cards or debit cards. More about that here.
  4. A great debit card for spending in non-Euro currencies is the N26 Mastercard – there are no extra fees when making purchases in non Euro currencies.  N26 is an online bank. Having a second card available can be a good idea in case of bank IT problems.
  5. .Read more here about N26 Bank Account charges compared to other Irish banks.
  6. More here about Prepaid Debit Cards in Ireland from Monese and Revolut and others.
  7. Also – check out our page on charges when using credit cards and debit cards to spend in non Euro currencies
  8. Tip : If you are switching 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
  9. .More Money Saving Tips