Credit cards

Smart credit card spending starts here

Q: How does an Avant Money credit card work?

When you use your credit card, Avant Money pays the retailer for you. At the end of each billing cycle, you will receive a statement detailing your spending and the total amount that you owe. You have the option to pay the full balance, a minimum payment or an amount in between. If you only make the minimum payment each month, it will take you longer and cost you more to clear your balance as you will be charged interest on the remaining balance. If you miss a payment or go over your limit, you will also be charged late fees or fees for exceeding the credit limit.

Q: How do I apply for an Avant Money credit card?

We’ve made applying for an Avant Money credit card as easy as possible. Choose from either our One Card, Everyday+ Card or Reward + Credit Card each with its own features and benefits. Apply for a credit card 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 credit card application: Proof of identification, Proof of address (dated within the last 3 months) and Recent bank statement, dated within the last 30 days.

Q: What is the credit limit for Avant Money credit cards and minimum repayments?

Once you’ve applied for a credit card, we will evaluate your ability to repay and your financial status. When you apply for a credit card, each application is assessed against a standard checklist. This includes a thorough credit check. A personalised credit card limit will then be awarded to you. The minimum payment for your credit card is what you must pay by the due date shown on your statement each month. This amount is calculated as follows: If your credit card statement balance is €25 or less, it will be the total amount of the balance shown. If your credit card statement balance is more than €25, your minimum payment will be the greater amount of either: €25 or 1% of your statement balance before any default charges, processing fees, foreign currency fees and interest (to which we'll then add an amount equal to the default charges, processing fees, foreign currency fees and interest). Your minimum payment will not exceed the balance shown on your statement.

Choose from cashback on groceries* to 0% interest offers on purchases and balance transfers†.

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Which Avant Money Credit Card will work best for you?

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Everyday+® Credit Card

Enjoy 5% cashback on groceries for the first 12 months and 1% after that*. Plus, save €30 annually on government stamp duty**.

check_circleEarn up to €25 cashback per month on groceries

check_circle0% interest on Credit Card Balance Transfers for 6 months***

check_circleNo government stamp duty

check_circle20.8% variable interest rate for purchases, transfers and cash withdrawals

Check my eligibility

One Card® Credit Card

Switch to the credit card with Ireland’s most comprehensive introductory offers, active from day one¹.

check_circle0% interest on Credit Card Money Transfers for 12 months†

check_circle0% interest on Credit Card Balance Transfers for 9 months†

check_circle0% interest on Purchases for 3 months†

check_circle€150 credited to your account††

check_circle16.8% standard interest for purchases, transfers and cash withdrawals

Check my eligibility

Reward+® Credit Card

Get rewarded with €150 cashback with Avant Money’s Reward+ Credit Card in one simple credit card application. 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 no interest on purchases

check_circle16.8% standard interest rate for purchases, transfers and cash withdrawals

Check my eligibility

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Understanding your credit card

Compare credit cards and get to know everything there is to know about the Avant Money Credit Card you choose — whether it be an Everyday+, One Card or Reward+ Credit Card. First time applying for a Credit Card? Read our credit card guide to learn more.

Everyday+ Card

Representative example: Assuming a credit limit of €1,500 drawn down in one transaction 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

One Card & Reward+

Representative example: 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 up to: 22.9%
Government stamp duty: €30.00
Total cost of credit: €166.50
Total amount repayable: €1666.50

Other fees and charges may apply.

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The representative example is for illustrative purposes only.

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Credit card features and benefits

Here are just a few of the great features and benefits of an Avant Money Credit Card. These are standard across all of our Avant Money Credit Card products.

Credit card benefits

Credit Card Balance Transfer

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

56 days of no interest

You can enjoy up to 56 days credit without any interest when you make purchases on your Avant Money credit card by paying off your bill in full and on time every month.

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.

Credit card benefits

My Avant Money

Manage your My Avant Money account on the go. View your statements online when it suits you.

Digital wallet

Connect your card to your phone with Google Pay or Apple Pay. Simple, easy and secure transactions that are easy to track. Find out more about digital wallets.

Money Transfers

Take control of your money by using your available credit to transfer money into your current account. Credit Card Money Transfers are available to Avant Money customers who can transfer from €100 up to 95% of their credit limit.

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How to complete an Avant Money Credit Card application?

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

FAQ Credit Card Title

Frequently Asked Questions

Credit Card FAQs CC

What is a credit card?

A credit card is a payment card that allows the person to borrow money from a financial institution. The credit card can be used to pay for goods and services, or take out cash, and then repay the borrowed amount later, with interest. Credit cards have a spending limit, called your credit limit which is the maximum amount you can borrow and will usually depend on your credit history and income. If used in a sensible way, credit cards can provide a safety net in case of unexpected expenses and offer a useful way to buy items online or when travelling. Find out more information on what is a credit card.

How does an Avant Money Credit Card work?

When you use your credit card, Avant Money will pay the retailer for you. At the end of each billing cycle, you will receive a statement detailing your spending and the total amount that you owe. You have the option to pay the full balance, a minimum payment or an amount in between. If you only make the minimum payment each month, it will take you longer and cost you more to clear your balance as you will be charged interest on the remaining balance. If you miss a payment or go over your limit, you will also be charged late fees or fees for exceeding the credit limit. Discover more information on getting your first credit card including the basics of how credit cards work and the importance of research to find the right one for you.

How do I apply for an Avant Money Credit Card?

We’ve made our Credit Cards as easy as possible. Choose from either our One Card, Everyday+ Card or Reward+ Credit Card each with its own features and benefits. Apply for a credit card 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 confirm the following documents in order to process your credit card 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 Avant Money?

It is very easy to switch your credit card 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 using 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 Credit Card Balance Transfers from Avant Money. You may even save money with our lower interest rates.

What is the credit limit for Avant Money Credit Cards and minimum repayments?

Once you’ve applied for a credit card, we will assess your ability to repay and your financial status. When you apply for a credit card, each credit card application is assessed against a standard list of rules. This includes a detailed credit check. A specific credit card limit will then be awarded to you.

The minimum payment for your credit card is what you must pay by the due date shown on your statement each month. This amount is calculated as follows:

If your credit card statement balance is €25 or less, it will be the total amount of the balance shown.

If your credit card statement balance is more than €25, your minimum payment will be the greater amount of either: €25 or 1% of your statement balance before any default charges, processing fees, foreign currency fees and interest (to which we'll then add an amount equal to the default charges, processing fees, foreign currency fees and interest). Your minimum payment will not exceed the balance shown on your statement.

Is there a credit check or eligibility requirements?

In order to be eligible to apply for a credit card from Avant Money, you must be over 18 and a resident in the Republic of Ireland.

Please note that credit cards are unsecured and not available for business purposes, house purchase or investment.

The amount of credit you can receive is based on your ability to repay and your financial status. When you apply for a credit card, each individual application is assessed against a standard list of rules. This includes a detailed credit check.

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Please view our glossary to see financial terms explained simply

View glossary

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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 report, 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 19th 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.

¹ Info correct as of 19th February 2026, source CCPC.ie.

Everyday+ *Cashback applies at selected grocery retailers. Max. cashback €25 per month. 5% cashback valid for first 12 months; 1% thereafter. 0.1% cashback available all the time on other retail spend. Exclusions 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 rate. Variable interest rate 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.

One Card ††Offer valid from 2nd February 2024. €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. †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. 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.

Reward+ ^◇^◇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 on Reward+ card subject to minimum monthly spend of €500 in first three months with cashback payable within six months of account opening.