Interest Free Credit Card Offers

Credit Cards in Ireland with introductory offers for new customers:

Updated November 17th 2021  .

Many of the banks in Ireland have special introductory interest free credit card offers for new customers.
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.


  •  An Post has a credit card with 12 months of interest-free credit on balance transfers. (Mastercard).

  • Chill Money has an offer of 9 months at 0% on balance transfers.
  • Bank of Ireland offers 7 months interest-free credit on balance transfers – OR 0% for 6 months on purchases (Mastercard).

  • PTSB is offering 0%  interest on balance transfers for 6 months plus 0% on purchases for 3 months. (Visa)
  • KBC’s credit card is interest-free for 6 months just on balance transfers. (Mastercard).
  • Avant Card (One Card) is offering 0% interest for 6 months on balance transfers and for 3 months on purchases  (Mastercard)
  • AIB’s best offer is a rate of 3.83% on both balance transfers and purchases – for 12 months.

Check more details of these credit cards here


How it Works

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.

See which credit card has the lowest interest rate here.


Also – all credit cards will charge extra fees when used to purchase in non-Euro currencies – you can see those currency charges here .

In Ireland, there is no difference in consumer protection against fraud or non-supply of goods provided by credit cards or debit cards. More about credit card protection here.



A good 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.

Read more here about N26 Bank Account charges compared to other Irish banks.

More here about Prepaid Debit Cards in Ireland from Bunq ,Revolut and others.

Also – check out our page on charges when using credit cards and debit cards to spend in non Euro currencies


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 the €30 government 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

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