Your chosen card
Your chance of approval
Will you get this card?
Find out if you will get this card. Start >>
To apply for this card
Go to the Post Office website
Go to site
Representative Example:
If you spend £1,200 at a purchase interest rate of 17.8% p.a. (variable) your representative rate will be 17.8% APR (variable).
The basics
- Representative APR 17.8%(variable)
- Payment Network MasterCard
- Balance transfer fee 0.79%
- Balance must be transferred within 3 months
Card features
- Great for
- 2.98% fee applies, but is reduced to 0.79% by a refund
- No fees on purchases overseas. No cash advance fee when you purchase Post Office Travel Money
- The Post Office Platinum Card is provided by Bank of Ireland UK
- But be aware that
- You must earn over £8,000 a year
Is this card right for you?
To take this card you
- Must be aged 18 years or over
- Must be a UK resident
- Cannot already have a Post Office® credit card
- Must have a current bank or building society account
- Must not have any outstanding County Court Judgements
- Must be employed, retired or a homemaker with an annual income of over £8,000 excluding unemployment benefits
Introductory interest rates
| Rate | Duration |
Purchases | 0% | 3 months |
Cash advances | - | - |
Balance transfers | 0% | 18 months |
Cheque advances | - | - |
Money transfers | - | - |
Long term interest rates
| Monthly | Annual |
Purchases | 1.378% | 17.8% |
Cash advances | 2.075% | 27.9% |
Balance transfers | 1.378% | 17.8% |
Cheque advances | - | - |
Money transfers | - | - |
Price for risk | No |
Fees
Annual fee | - |
Late payment | £12 |
Over credit limit | £12 |
Foreign exchange EU | 0% |
Foreign exchange non-EU | 0% |
Return payment | £12 |
Copies of statements | £5 |
| Handling fee | Min fee | Max fee |
Cash advances | 2.5% | £3 | - |
Cheque advances | - | - | - |
Balance transfers | 0.79% | - | - |
Money transfers | - | - | - |
Repayment details
- Interest free period - 56 days
- Your monthly minimum payment will be the greater of:
- 2.5% of the outstanding balance on your statement (minimum £5)
OR
- The full balance if less than £5
OR
- 1% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any arrears which are payable immediately.
- If you make only the minimum payment each month, it will take longer and cost you more to clear your balance
- The above minimum repayment details may vary between providers, so please review T&Cs; for specific details.
- Allocation of payments:
Payments Bank of Ireland UK receive will be applied by them against items charged to your account (which will include transactions, interest and any other fees and/or charges) in order of interest rate applicable, highest first.
Credit limit
Minimum credit limit | £500 |
Maximum credit limit | - |
Other features
Free purchase protection | Yes |
Internet fraud guarantee | No |
Rewards | Insurance |
How your promotional rates will change
- After 18 months, the rate on Balance Transfers will go from 0% to 17.8%.
- After 3 months, the rate on Purchases will go from 0% to 17.8%.
Fees to be aware of
- For a balance transfer, you'll be charged 0.79% of the balance you're transferring.
About Post Office
When we think of the Post Office, we tend to think of letters and parcels. But the Post Office also sells a range of financial services, including insurance, savings accounts and credit cards. The Post Office is a trusted brand name and is owned by the UK Government through Postal Services Holding Company Limited.
Your chance of approval
Will you get this card?
Find out if you will get this card. Start >>
To apply for this card
Go to the Post Office website
Go to site
Representative Example:
If you spend £1,200 at a purchase interest rate of 17.8% p.a. (variable) your representative rate will be 17.8% APR (variable).
Your personalised chance of approval
We’ve taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.
Why is this important?
Every time you apply for a credit card, a mark is left on your credit score. That means it’s better to get it right first time. Your scores help you understand which cards you have the strongest chance of getting.
It's easy!
The higher the score, the stronger chance you have of getting the card. If you see a very low score, you’ve probably better off choosing a different card.
- Consider a different card
- Not eligible
- 1/10
- 2/10
- 3/10
- 4/10
- 5/10
- Your chances are good
- 6/10
- 7/10
- 8/10
- 9/10
- You've been pre approved
If you see a high score, you can be fairly confident. The scores aren’t a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.
Not rated
In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.
We work closely with our partners to improve our eligibility scores for all products that are of interest to you.
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