After the first 3 months, a purchase rate of 16.50% (variable), 22.53% APR (variable) will apply to all new purchases and any new balances that are built up and not cleared during the 3 month interest-free period. These rates will also apply to any previous balances transferred to your PTSB Credit Card and not cleared after 6 months. Learn more about how interest rates work.
Assume you have a credit limit on your card of €1,500.
You use your full limit to make a single card purchase immediately after receiving your card, and you repay the €1,500 in 12 equal monthly instalments of €125 plus any interest charged for that month at a purchase interest rate of 16.50% (variable), 22.53% (variable) APR.
The total amount that you will pay back will be €1,664.06, which includes Government stamp duty of €30.00 and interest of €134.06.
Please note: The representative example above does not take promotional rates into account.
Existing PTSB customer? You can apply in-app
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If you are already a PTSB customer you can also call us on 0818 210 591 or +353 1 215 1352 (from abroad) and we will complete your application with you over the phone.
Not yet a customer? You can make an appointment to pop into any of our branches and submit your application with one of our team. Call us on 0818 50 24 24 or +353 1 212 4101 (from abroad). Lines are open from 9am to 5pm Monday to Friday (excluding public holidays), and from 10am to 2pm Saturday and Sunday.
Visit our Moving Bank Online Hub for a step by step guide on how to transfer a Credit Card balance from another bank, including how to apply and documents you will need to provide. Read our guide on how to move your Credit Card.
With your payment-enabled mobile device you have the freedom to spend securely without a €50 limit. Find out more about Apple Pay and Google Paytm.
Please note: Not all applications are the same and additional information may be required in certain circumstances.
Warning: If you do not meet the repayments on your loan, 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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Alternatively, give us a call on 0818 800 196.
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