Post Office Credit Card

Published on 21 July 2012 by Raffick Marday

Post Office credit card

0% commission on purchases abroad and a lower interest rate for big purchases with the Post Office MasterCard credit card.

Card Name
Post Office credit card
Card Type
Card Issuer
Bank of Ireland
Exclusive Features
free purchase and fraud protection


Minimum Age 18 years or over
Minimum Income earn £8000 for classic card and £20,000 for a platinum card
Status You must have a residential UK address, current address/addresses for the last 3 years – Proof of ID required – Credit check done -

Type of card – MasterCard Credit Card

The Post Office Credit Card is a MasterCard card – It can be used at over 28 million locations worldwide also with over 1.5 million ATM in over 210 countries where ever you see the MasterCard – Maestro or Cirrus acceptance sign.

Post Office Card Fees

Card Application Fee FREE
Card annual fee FREE
Card Limit The minimum credit limit is £500, the maximum credit limit is subject to status.
Interest Free Period 56 days
Minimum payment The monthly minimum payment will normally be made up of the greater of 2.5% of the outstanding balance on your account or £5.00
Late Payment charges Unpaid Direct Debit or cheque £12.00. Over credit limit £12.00. Late payment £12.00
Introductory offers – APR
Intro Rate
Intro Period
Annual Rate
3 months
Balance Transfer
10 months
n / a
Balance Transfer details
Fee percentage 2.75%
Minimum fee £3.00
maximum fee 2.75% handling fee

Charges –

Charges Cash Advances are subject to a handling fee of 2.5% subject to a minimum of £3.00
Allocation of payments They will apply payments we receive in the following order:

  1. Payments due in respect of any Payment Plan
  2. Interest on most fees
  3. Fees and insurance premiums 4. Interest on Purchases, Balance Transfers and Cash Advances
  4. Purchases, Balance Transfers and Cash Advances

Additional Benefits –

  • online account management
  • 3 ways to pay: in branch, by Direct Debit or phone
  • free purchase and fraud protection
  • helpline available 365 days in a year

Issued By:

Post Office Ltd is an an appointed representative of Bank of Ireland

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