How to apply | Need to transfer an existing balance | Key features & benefits
With a PTSB Credit Card you will enjoy 0% fixed interest on balance transfers for the first 6 months. Plus 0% fixed interest on new purchases for the first 3 months. After the introductory period, you’ll still enjoy up to 56 days interest-free credit once you clear your balance in full and on time each month. Giving you the freedom to pay for what you need, when you need to.
After that, we offer a competitive purchase rate of 16.50% variable, 22.53% variable annual percentage rate (APR). This will apply to all new purchases and any new or previous balances transferred, that are not cleared during the 3 month interest-free period. An interest rate of 22.46% variable will apply to all cash withdrawals, including during the introductory period. See representative example here.
We’ve made applying for a Credit Card quicker and easier!
If you are registered for Open24 online banking, you can:
Get a decision in minutes and order your Credit Card today!
If you are already a PTSB customer you can also call us on 0818 210 591 or +353 1 215 1352 and we will complete your application with you over the phone.
You can make an appointment to pop into any of our branches and submit your application with one of our team. Call us on 0818 50 24 24, Monday to Friday (excluding Bank Holidays) 9am – 5pm and 10am - 2pm Saturday and Sunday, to make an appointment.
Visit our Moving Bank Online Hub for a step by step guide on how to transfer a Credit Card balance from another bank, including how to apply and documents you will need to provide.
With your payment-enabled mobile device you have the freedom to spend securely without a €50 limit. Find out more about Apple Pay and Google Paytm.
Please note: not all applications are the same and additional information may be required in certain circumstances.
Assume you have a credit limit on your card of €1,500.
You use your full limit to make a single card purchase immediately after receiving your card, and you repay the €1,500 in 12 equal monthly instalments of €125 plus any interest charged for that month at a purchase interest rate of 16.50% (variable), 22.53% (variable) APR.
The total amount that you will pay back will be €1,664.06, which includes Government stamp duty of €30.00 and interest of €134.06.
Please note: the representative example above does not take promotional rates into account.
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.
Fill out the fields below to see what your credit limit could be
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Income Status *
Gross Annual Salary *
Monthly Mortgage or Rent Payments
Monthly Loan Repayments *
Total Current Overdraft & Credit Card Limit *
What is your desired Credit Card Limit? *
