Benefits of a Credit Card

A credit card can be a useful addition for many people. There are many benefits of having a credit card. It works like a loan where you use credit to buy goods or services and pay it back later. To apply for a credit card in Ireland, you must be over 18 and have an income over a certain amount. It is also important to understand how to use a credit card to manage your finances and the benefits credit cards can offer. Here are some tips:

1. Easy to use

One of the main benefits of credit cards is that they are easy to use and are a widely accepted way to make purchases online or in person, at home or abroad. In addition, they eliminate the need to carry large amounts of cash, reducing your risk of theft and loss. Credit Card Money Transfers allow you to unlock available credit from your credit card balance and send it to your current account. The Avant Money One Card allows you to transfer 95% of your available credit limit to your current account.

Meanwhile, Credit Card Balance Transfers are another important feature of credit cards allowing you to switch the balance owed on a credit card to another lender, such as Avant Money.

2. Cashback and rewards

The Avant Money One Card offers €150 cashback when you get an Avant Money Credit Card**.

3. Fraud protection

Using a credit card can give you added protection if something goes wrong.

If your Avant Money credit card is used without your permission, or if your card is lost or stolen, contact us straight away. We’ll block your card immediately, review any suspicious transactions, and guide you through the next steps.

4. Emergency access to cash

In addition to the general convenience of a credit card, it can also give you access to emergency cash for unexpected expenses. Each credit card has a credit limit that gives you access to credit if needed. In some cases, this may be less expensive than going into an overdraft with your bank.

5. Digital wallet

Most credit cards today offer digital wallets that allow you to pay securely using your phone, smartwatch or other device through Google Pay or Apple Pay - another benefit of credit cards.

6. Online credit card management

Managing your credit card today is much easier with online services. Avant Money allows customers to manage their credit card through their online account or the mobile app. This makes it easier to make payments, review transactions and amend or set up a direct debit at the click of a button.

How to use a credit card

Credit cards are easy to use, but it is important to use them effectively. Good credit card management practices include:

1. Understand your card’s Terms and Conditions and reward offers to maximise benefits.
2. Try to make payments on time to avoid fees.
3. Pay the full balance each month to avoid interest charges.
4. Monitor your spending by regularly reviewing your transactions.
5. Choose the right credit card for you that aligns with your spending patterns.
6. Practice good security and keep your card and information safe to avoid fraud.

Knowing how to use a credit card properly provides you with the opportunity to avail of all of the features above. Explore Avant Money Credit Cards today.

**Offer valid from 2nd February 2026. €150 cashback on One Card subject to a Balance Transfer of at least €1,000 within 90 days of account opening, cashback payable within six months of account opening. Certain transactions are excluded, see details at Credit Cards FAQs.

Lending criteria, terms and conditions apply. Avant Money credit cards are only available to customers over the age of 18 and resident of Republic of Ireland. Rates correct as of 24th March 2026 and are subject to change.

Bankinter S.A., trading as Avant Money, is authorised by the Banco de España in Spain and is regulated by the Central Bank of Ireland for consumer protection rules.