Reward Plus card apply

Look on the plus side with €150 cashback.
Get €150 cashback† with the Avant Money Reward+ credit card. Plus up to 25% interest refund* every month.

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Features and benefits

A mixture of introductory offers and everyday rewards.

Reward Plus card features

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.

Reward Plus card features

Digital Wallet

Connect your card to pay with your phone with Google Pay or Apple Pay.

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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Reward Plus credit card features

Reward+® card

Get rewarded with €150 cashback. Plus up to 25% interest refund on purchases every month.

check_circleOnly interest refund on the market of 25%*
check_circle€150 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
Check my eligibility

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Cards tel number R+ CARD (black bckgrnd)

You can also apply 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).

Call us today on:
(01) 448 5827

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Reward Plus 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

fee+charges

warning

The representative example is for illustrative purposes only.

WARNING

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, a hire-purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.

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Lending criteria, terms and conditions apply. Rates correct as of 2nd February 2024 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. You’ll need to pay your minimum monthly repayment on time each month and stay within your credit limit to keep your promotional rates. When the promotional offer ends any outstanding amount will be charged interest at your standard variable rate.

* Info correct 2nd February 2024, 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 2nd February 2024. €150 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.

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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.

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.

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.

FAQ Reward Card -

Frequently Asked Questions

Frequently Asked Questions Reward Credit Card plus

Should I choose Avant Money one card or Avant Money reward+?

Which card you choose is entirely up to you depending on how you manage your credit card. If you have a balance from your current card which you want to bring to your new Avant Money credit card, then the longer promotional rate for balance transfers on Avant Money one card might be your preferred option. If you believe that you are unlikely to pay off the full balance on your retail spending every month and therefore occasionally you will have to pay retail interest, then Avant Money reward+ might be the better option for you.

How do I apply for an Avant Money reward+ card?

We’ve made applying for an Avant Money reward+ card as easy as possible. This credit card has its own unique features and benefits. Start your credit card application journey online through our credit card eligibility checker. Once your application has been reviewed you will be contacted. If we need anything from you, we’ll be in touch so just keep an eye on your phone and email.

We will need to verify the following documents in order to process your application:

- Proof of identification
- Proof of address (dated within the last 3 months)
- Recent bank statement, dated within the last 30 days

How can I switch my current credit card to reward+

It is very easy to switch your credit card from another provider to an Avant Money credit card. Switching is as easy as calling our dedicated team on 071 959 4051 if you’re new to Avant Money, or logging into My Avant Money if you’re already a customer. If you have an existing balance on your current card, you can take it with you with balance transfers from Avant Money. You may even save money with our lower interest rates.

What are the qualifying criteria for €150 cashback

How much do I need to spend to qualify?
You need to spend €500 in qualifying transactions in each of the first three months following account opening. Month 1 will commence on the date that your account is opened and conclude on the same date the following month.

What transactions are excluded?
Cash transactions, gambling activity and cryptocurrency purchases are not eligible, meaning that any spend of this nature will not count towards the €500 threshold. Any amounts automatically debited from your account including interest, charges, government stamp duty and fees are also not eligible. A full list of excluded transactions are available here

Are Balance Transfers and Money Transfers eligible?
Yes, balance transfers and money transfers count as eligible purchases.

What happens if qualifying purchases are refunded?
We will deduct the refunded amount in the statement period that the original purchase was made, reducing your qualifying spend in that period.

When will the €150 be credited to my account?
If you have sufficient qualifying spend we will credit the €150 reward to your account within 6 months of account opening.

Will the €150 credit reduce my minimum payment due?
No, your monthly minimum payment will still be calculated in accordance with our Terms and Conditions.

Anything else I should know?
Yes. You must continue to make at least your minimum payment by the date advised on your statement to receive your €150 reward. If we suspend, block or cancel your card, due to the non-payment of a balance outstanding for more than 60 days, you will not be eligible.

Is there a monthly or annual service fee on credit cards?

No. There is no account management or service fees on Avant Money credit cards. Government stamp duty: each year the government charges a tax (stamp duty) on credit cards. This charge is applicable to each unique card/account held in your name. This stamp duty may change on a yearly basis depending on the amount agreed by the government in the annual budget.