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ICE Visa Credit Card

Introductory offer on balance transfers and purchases.

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How to apply  |  Need to transfer an existing balance  |  Key features & benefits

With a PTSB Credit Card you will enjoy 0% fixed interest on balance transfers for the first 6 months. Plus 0% fixed interest on new purchases for the first 3 months. After the introductory period, you’ll still enjoy up to 56 days interest-free credit once you clear your balance in full and on time each month. Giving you the freedom to pay for what you need, when you need to.

After that, we offer a competitive purchase rate of 16.50% variable, 22.53% variable annual percentage rate (APR). This will apply to all new purchases and any new or previous balances transferred, that are not cleared during the 3 month interest-free period. An interest rate of 22.46% variable will apply to all cash withdrawals, including during the introductory period. See representative example here.

How to apply for a Credit Card

Existing PTSB customer? You can apply in-app

We’ve made applying for a Credit Card quicker and easier!

If you are registered for Open24 online banking, you can:

  1. Log into the PTSB mobile app.
  2. Select “Credit Card Application” and follow the instructions to submit your application.

Get a decision in minutes and order your Credit Card today!


Other ways to apply

If you are already a PTSB customer you can also call us on 0818 210 591 or +353 1 215 1352 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, Monday to Friday (excluding Bank Holidays) 9am – 5pm and 10am - 2pm Saturday and Sunday, to make an appointment.

Find your local branch

Are you moving banks and have a balance to transfer?

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.

Moving my Credit Card guide

Features and benefits

  • After the first 3 months, enjoy interest-free credit for up to 56 days.
  • A second card for a family member for free (once they're over 18).
  • Protection against fraud when shopping online with Verified by Visa.
  • No day-to-day transaction fees when you use your card to make purchases (fees will apply for the use of the card for the purposes of obtaining cash or cash substitute and non-euro transactions).
  • Acceptance worldwide wherever you see the Visa logo.
  • Freedom to choose your own monthly repayment amount (min 2.5% of your balance each month or €5, whichever is greater).
  • Flexibility to choose a monthly payment date for a time that suits you.

Pay safely for everything with Mobile Payments

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.

Important information 
  • In-app approval is subject to Open24 Online Banking registration with a PTSB salary mandated Current Account.
  • In-app approval is subject to a minimum credit limit of €1,000 and a maximum credit limit of €10,000. For applications greater than €10,000, you can still apply in-app and one of our team will call you back to discuss.
  • Your application can only be taken out in your sole name only and will be subject to a full credit and affordability assessment. Lending criteria, terms and conditions apply. Over 18 only.
  • If we already have your PPSN on file, you will not have to provide it again, however if approved you may need to provide proof of your PPSN before you can order your card – see here for acceptable documents.
  • Credit Card accounts are automatically enrolled for eStatements (some exclusions may apply). You will receive an SMS each month advising you that your Credit Card eStatement is available to view. We will never include a link within the SMS.
  • If you would like to receive postal statements instead, please call Open24 on 0818 50 24 24 or 01 212 4101 or drop into any PTSB branch.
  • Government Stamp Duty of €30 applies.

Please note: not all applications are the same and additional information may be required in certain circumstances.

Representative example

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.

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.

Download app on Android Download app on iOS Call 0818 800 196


Moving your bank?

Visit our Moving Bank Online Hub for step by step guides and information on how to move your Current Account, Credit Card, Overdraft and Savings Account.

Credit Card Limit Calculator

Fill out the fields below to see what your credit limit could be

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