Credit Cards details

Your chosen card

To apply for this card

Go to the Post Office Money website

Go to site

Representative Example:

If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

The basics

  • Representative APR 18.9%(variable)
  • Payment Network MasterCard
  • Balance transfer fee 2.89%
  • Balance must be transferred within 3 months

Card features

Great for
0% on balance transfers for 18 months. A 2.89% fee applies and balance transfers must be made within three months of account opening
No fees on purchases overseas & no cash fee to buy travel money at the Post Office
But be aware that
You must earn over £8,000 a year
You might get a different interest rate to the one shown here, because this depends on your circumstances

Is this card right for you?

To take this card you

  • Must be aged 18 years or over
  • Must be a UK resident
  • Cannot already have a Post Office® credit card
  • Must have a current bank or building society account
  • Must not have any outstanding County Court Judgements
  • Must be employed, retired or a homemaker with an annual income of over £8,000 excluding unemployment benefits

Introductory interest rates

Rate Duration
Purchases 0% 28 months
Cash advances - -
Balance transfers 0% 18 months
Cheque advances - -
Money transfers - -

Long term interest rates

Monthly Annual
Purchases 1.456% 18.9%
Cash advances 2.075% 27.9%
Balance transfers 1.46% 18.9%
Cheque advances - -
Money transfers - -
Price for risk Yes


Annual fee -
Late payment £12
Over credit limit £12
Foreign exchange EU 0%
Foreign exchange non-EU 0%
Return payment £12
Copies of statements £5
Handling fee Min fee Max fee
Cash advances 2.5% £3 -
Cheque advances - - -
Balance transfers 2.89% - -
Money transfers - - -

Repayment details

  • Interest free period - 56 days
  • Your monthly minimum payment will be the greater of:
    • 2.5% of the outstanding balance on your statement (minimum £5)
    • OR
    • The full balance if less than £5
    • OR
    • 1% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any arrears which are payable immediately.
  • If you make only the minimum payment each month, it will take longer and cost you more to clear your balance
  • The above minimum repayment details may vary between providers, so please review T&Cs for specific details.
  • Allocation of payments:
    Payments received will be applied to the different amounts of your outstanding balance in the order of highest interest rate to lowest interest rate. If you have more than one balance at the same interest rate, your payment will be applied against transactions in the order of cash, purchases, fees and charges, and promotional balances. If you have more than one promotional balance at the same interest rate, your payment will be applied against the balance that ends first. If the payment is greater than your monthly statement balance, any remaining payment will be applied against transactions that have not yet appeared on your statement in the same order as those that have.

Credit limit

Minimum credit limit £1000
Maximum credit limit -

Other features

Free purchase protection Yes
Internet fraud guarantee No
Rewards No rewards

How your promotional rates will change

  • After 18 months, the rate on Balance Transfers will go from 0% to 18.9%.
  • After 28 months, the rate on Purchases will go from 0% to 18.9%.

Fees to be aware of

  • For a balance transfer, you'll be charged 2.89% of the balance you're transferring.

About Post Office Money

Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender. When we think of the Post Office, we tend to think of letters and parcels. But the Post Office also sells a range of financial services, including insurance, savings accounts and credit cards. The Post Office is a trusted brand name and is owned by the UK Government through Postal Services Holding Company Limited.

To apply for this card

Go to the Post Office Money website

Go to site

Representative Example:

If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Consider a different card
Not eligible
Your chances are good
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

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