What transactions are included in the Everyday+ cashback offer?

For the first 12 months, you can earn 5% cashback on transactions in grocery stores and 1% thereafter. Every retailer chooses how their business is classified for spend on credit cards. If a retailer has classified themselves as any of the below categories, the transaction will be included in the cashback calculation: Grocery Stores, Supermarkets (MC Code 5411) Misc. Food Stores, Convenience Stores and Speciality Markets (MC Code 5499) Service Stations (with or without ancillary services) (MC Code 5541) Dairy Product Stores (MC Code 5451) Meat Provisioners (Freezer and Locker) (MC Code 5422) Bakeries (MC Code 5462) Candy, Nut and Confectionary Stores (MC Code 5441)

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The credit card that you'll want to get out every day

Q: How does the 5% Cashback on Groceries work with Everyday+?

5% cashback on grocery transactions up to a maximum of €25 per month for first 12 months. Cashback is reduced to 1% on grocery transactions after that. You can also avail of an additional 0.1% on other retail transactions (all the time). Certain exclusions apply.

Earn 5% cashback on groceries and fuel up to €25 per month for the first 12 months with Everyday Plus*

Explore Everyday+ Card features

A picture of a shopping checkout with groceries and the Everyday Plus card being tapped on a credit card machine.

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Everyday+ credit card features and benefits

Features and benefits of Avant Money Everyday+

Enjoy a mix of introductory offers and everyday savings with the Everyday+ Credit Card.

Everyday Plus card features

5% cashback on groceries for the first 12 months*

Earn while you shop. From the corner shop to the big shop, to the petrol station, get up to €25 cashback on groceries and fuel every month when you use the Everyday+ Credit Card, exclusions apply. See FAQs

0.1% cashback on all other retail spend*

Enjoy 0.1% cashback on all other retail purchases - all of the time. Certain exclusions apply as detailed in our FAQs.

20.8% Variable interest rate

For purchases, transfers and cash withdrawals.

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We cover the government stamp duty for you**

That’s €30 back in your pocket every year - yours to spend however you like.

0% interest on Credit Card Balance Transfers for 6 months***

Save on your monthly payments by transferring balances from other lenders to your Avant Money Credit Card.

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.

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Check your eligibility for an Everyday+ Credit Card

Our Eligibility Checker takes into account a high level view of your income and expenses to give you a sense of your eligibility before you apply for all Avant Money Credit Cards.

check_circleIt takes less than a minute to complete.

check_circleThe result is only an indicator of eligibility.

check_circleWe will confirm your credit limit once your application has been reviewed in full.

Check my eligibility now

Check my eligibility

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Understanding your credit card (EveryDay PLUS CARD)

Understanding your Everyday+ Credit Card

Get to know everything there is to know about your Avant Money Everyday+ Credit Card

Here’s a handy representative example for you:
Assuming a credit limit of €1,500 drawn down all at once and repaid over 12 months in equal monthly instalments:

Variable interest rate: 20.8%
Annual Percentage Rate up to: 22.9%
Total cost of credit: €169.00
Total amount repayable: €1669.00

Other fees and charges may apply.

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The representative example is for illustrative purposes only.

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How to apply for Avant Money Credit Cards ?

You can apply for a credit card online or by calling our dedicated cards team between the hours of 8am to 8pm Monday to Friday, and 8am to 2pm on Saturday (excluding Bank Holidays). Read our Credit Cards FAQs here.

Call us today on:
(01) 448 5827

Everyday plus faqs

Frequently Asked Questions

Frequently Asked Questions Everyday Credit Card

How does the 5% cashback on groceries work with Everyday+?

What is included in the Everyday+ cashback offer?

For the first 12 months, you can earn 5% cashback on transactions in grocery stores and 1% after that. Every retailer makes the choice of how their business is classified for spend on credit cards. If a retailer has classified themselves as any of the below categories, the transaction will be included in the cashback calculation:

Grocery Stores, Supermarkets (MC Code 5411)
Misc. Food Stores, Convenience Stores and Speciality Markets (MC Code 5499)
Service Stations (with or without ancillary services) (MC Code 5541). Pay-at-the-pump and home heating oil excluded
Dairy Product Stores (MC Code 5451)
Meat Provisioners (Freezer and Locker) (MC Code 5422)
Bakeries (MC Code 5462)
Candy, Nut and Confectionary Stores (MC Code 5441)

Additionally, you can also earn 0.1% on all other retail spend, not including the above categories and certain other exclusions.

What transactions are excluded from the Everyday+ cashback offer?

Transaction types are primarily identified by the code that the retailer has registered themselves under. Avant Money has no control over how individual retailers categorise themselves. Certain transactions are excluded as qualifying spend, meaning that they will not count towards the Everyday+ cash back offer:

Excluded transactions may be updated at any stage throughout the offer period.

any amounts automatically debited from your account including interest, charges and fees;
any purchase of a virtual currency or cryptocurrency; and,
any quasi-cash transaction meaning a transaction which is similar or easily converted to cash and includes negotiable instruments, money orders, wire transfers, travellers’ cheques, gaming or betting related transactions.
Gambling and internet gambling transactions.
Balance transfers and Money transfers.

WARNING ED

Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.

Everyday card terms and conditions

*Max. cashback €25 per month. 5% cashback valid for first 12 months; 1% thereafter. Cashback applied at selected retailers. For fuel, pay-at-the-pump and home heating oil excluded. Other exclusions may apply, see www.avantmoney.ie/credit-cards/everydayplus#faqs

**Government stamp duty of €30 will be charged to the account and refunded on the same day.

***You will need to complete a Balance Transfer within the first 90 days of opening your account to avail of the promotional rates. Variable interest rate of 20.8% will apply once the Balance Transfer promotional period ends. You’ll need to pay your minimum monthly repayment on time each month and stay within your credit limit to keep your promotional rate.

Lending criteria, terms and conditions apply. Rates correct as of 1st February 2026 and are subject to change. Avant Money credit cards are only available to customers over the age of 18 and resident of Republic of Ireland.

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Balance Transfer

A Balance Transfer allows you to transfer a balance owed on another credit card to your Avant Money Credit Card. Manage just one monthly payment to save money on interest.

Our Balance Transfers

Money Transfer

A Money Transfer is the ability to transfer money from your credit card to your bank account. With a fast approval you could have the money in your account within one business day.

Our Money Transfers

Personal Loans

Budget with confidence with our fixed rate loans, so you pay the same amount every month with no hidden charges. Borrow from €5,000 up to €75,000 with loan terms from 1 to 10 years.

Our Loans