Credit cards

Our credit cards don't follow the herd. They lead the pack.
Get 0% for one year on money transfers* with One card or €100 cashback † with Reward+ card. You choose.

Bonkers award

Avantages

The best rewards programme in Ireland. Available to all credit card customers.

One card features

One® card

The credit card with Ireland’s most comprehensive introductory offers, active from day one.

check_circle0% money transfers for 12 months
check_circle0% balance transfers for 9 months
check_circle0% purchases for 3 months
check_circle16.8% standard interest rate for purchases, transfers and cash withdrawals

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Reward plus credit card features

Reward+® card

Get rewarded with €100 cashback. Plus up to 25% interest refund on purchases every month.

check_circleOnly interest refund on the market of 25%**
check_circle€100 credited to your account†
check_circleUp to 56 days zero interest on purchases
check_circle16.8% standard interest rate for purchases, transfers and cash withdrawals

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Features and benefits

Standard across all of our credit card products.

Credit card benefits

Avantages® loyalty programme

Over 300 always-on offers. More discounts and less restrictions from 100’s of your favourite top brands. Plus exclusive experiences, customer days, and competitions for you and your family.

Additional card holders

You can add up to three additional card holders to your account at no extra cost. Share your credit limit with your family and they will receive their own card and PIN.

Money transfer

Transfer funds from your credit card to your bank account when you need it. Give yourself the freedom and flexibility to cover all your payment needs.

Credit card benefits

Secure online shopping

When shopping online it’s important to feel safe and secure. 3-D Secure provides more security to your online shopping cart, making it safer and easier for you to checkout.

56 days of zero interest

You can enjoy up to 56 days interest-free credit when you make purchases on your Avant Money credit card by paying off your bill in full and on time every month.

My Avant Money

Manage your My Avant Money account from the comfort of your home. View your statements and transactions online when it suits you.

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Credit card rates explained

Understanding your card

Assuming a credit limit of €1,500 drawn down in one transaction and repaid over 12 months in equal monthly instalments:

Variable interest rate

16.8%

Annual Percentage Rate from:

22.9%

Government stamp duty

€30.00

Total cost of credit

€166.50

Total amount repayable

€1666.50

Other fees and charges link

warning

The representative example is for illustrative purposes only.

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Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

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*You will need to complete a balance transfer or money transfer within the first 90 days of opening your account to avail of the promotional rates. For any offers related to purchases, the promotional period commences from the date your account is opened.

** Info correct 20th January 2022, source CCPC.ie. The 25% interest refund is payable on the interest charged on purchase transactions on your monthly statement. Refunds are payable a month in arrears to a maximum value of €24 per statement. Interest charged for cash transactions is not eligible to be refunded.

†Offer valid from 5th May 2022. €100 cashback subject to minimum monthly spend of €500 in first three months with cashback payable within six months of account opening. Certain transactions are excluded, see details at Credit Cards FAQs.