Credit Cards in Ireland with introductory offers for new customers:
Updated February 19th 2024
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 offers zero interest on balance transfers.
Avant Money (One Card) offers 0% interest for 9 months on balance transfers and 3 months on purchases (Mastercard).
BOI is offering 7 months interest-free on balance transfers.
PTSB is offering 0% interest on balance transfers for 6 months plus 0% on purchases for 3 months. (Visa)
Revolut is giving 3 months of interest-free credit on purchases and balance transfers. They also offer 1% cash back on purchases for the first 3 months. Join Revolut Here
AIB’s best offer is a rate of 3.83% on both balance transfers and purchases – for 12 months.
How Interest Free Credit 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.
Also – all credit cards will charge extra fees when used to purchase in non-Euro currencies – you can see those credit card currency charges
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 and debit 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 Debit Cards in Ireland from 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, they will confirm 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