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Credit Card important information

Check out some important information on our products. If you need more details, call us or drop into your local branch.

A great rate

Purchases 15.0% variable
Cash Advances 20.96% variable
Balance Transfer Rate 0% - see below for more information on Balance Transfer
Introductory Purchase Rate 0% (fixed) interest on purchases for the first 3 months

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 15.0% variable,  20.7% variable (representative APR). The total amount that you will pay back will be €1,651.88, which includes Government stamp duty of €30.00 and interest of €121.88.

Please note: the representative example above does not take promotional rates into account.

Cash Advance means the use of the card for the purposes of obtaining cash or cash substitute (including the purchase of quasi cash, i.e. the purchase of tokens or chips for the purpose of gaming or placing bets on the internet or otherwise).

Balance Transfer

If you transfer a balance from a non-PTSB credit card to a new PTSB ICE Visa Credit Card, you won’t rack up any interest on the balance transferred for 6 months.  At the end of the promotional period the purchase rate of 20.7% variable (representative APR) will be applied to the remaining balance that was transferred from the non PTSB credit card.

  • Some charges will apply. You will incur a charge if an item is returned unpaid on your account, if you do not pay your bill on time or where you exceed your account limit. Charges will apply for additional services and cash advance transactions. For full details of our charges please see our Personal and Business Banking Charges brochure for full details
  • The ICE Visa credit card is only available to applicants aged 18 and over

Proof of income requirements

  • 2 of your most recent 3 payslips
  • 3 months’ bank statements for your main personal current account
  • If self-employed you will also need to provide a minimum of 3 months’ business bank statements
  • In certain circumstances we may also request additional documentation such as a Salary Certificate or Employment Detail Summary.

Proof of PPSN (Personal Public Service Number)

We are obliged under the Credit Reporting Act 2013 to collect and verify your PPSN. PTSB will collect your PPSN for all credit applications of €500 or greater.
You will need to provide any one of the following documents as proof of your PPSN during your application:

  • Payslip
  • Notice of Tax Credits, Tax Assessment, P60, P45 or P21.
  • Medical Card/Drug Payment Scheme Card
  • Correspondence from the Department of Social Welfare or the Revenue Commission which includes PPSN.

Please note, we cannot accept your Public Services Card as proof of PPSN

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