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Post Office Platinum Credit Card


What we think of it...

post office platinum credit card

post office platinum credit card - apply now
  • Unique '2-in-1' credit card and loan
  • Pleasing 0% for 12 months balance transfers + additional 5 months in '10 and '11
  • Commission free use abroad - no foreign transaction fee

Our editors are currently reviewing the Post Office Platinum credit card.


A little more detail

Rates and Fees
      Special Note.. Any good?
Typical APR 16.9% APR (variable) - - About average
Introductory Purchase Rate 0% for 3 months - Good
Balance Transfer Rate 0% for 12 months
another 0% for 5 months in 2010 & 2011		 - Good
Balance Transfer Fee 2.98% - About average
Cash Withdrawal Rate 24.1% p.a.
(variable)		 - About average
Cash Withdrawal Fee 2.5%
(£3 minimum)		 - About average
Annual Fee None - Good
Foreign Transaction Fee 0% - Good

Extras
      Special Note.. Any good?
Online Account Management Yes - Good
Purchase Protection Yes Almost everything you buy with the Post Office credit card will be insured against accidental damage and theft for up to 90 days from purchase. Good
Other Extras - - Up to 3 additional cardholders for free
- 365 day customer service.		 - Good
Optional Extras - Payment protection insurance This is not a free service, but is available for this card. About average

Payments
      Special Note.. Any good?
Credit Limit £500 minimum Credit limit may vary from person to person. Good
Interest Free Period Up to 56 days On purchases only. Good
Minimum Monthly Payment 2.5%
(£5 minimum)		 - About average
Allocation of Payments Interest » Fees » Balance transfers » Purchases » Cash withdrawals - About average
Default Charges £12 - About average
Copy of Statement Fee £5 - About average

Card Details
      Special Note.. Any good?
Online Application - Yes Remember: always ensure you meet the application requirements before applying, as getting rejected can affect your credit score. Good
Card Type Platinum - Not Applicable
Payment Company MasterCard - Not Applicable
Card Issuer Bank of Ireland - Not Applicable
Card Advertiser Post Office - Not Applicable

At a Glance


Typical APR
16.9% APR
Credit limit
£500 minimum
Intro purchases
0% for 3 months
Balance transfer
0% for 12 months
another 0% for 5 months in 2010 & 2011
(2.98% transfer fee)
2 in 1 'Loan' Rate
6.8% (up to 2
purchases from £500 - £2000)
Interest free period
Up to 56 days
Annual fee
£0

  This card includes:
Online Account Management
Purchase Protection Insurance

  It is best suited for:
Anyone looking to make large purchases, or to clear up any outstanding credit card balances. Also great for general spending, including use abroad.
Apply Now

Wait! Only apply if you are...
  • Aged 18 or over
  • UK resident
  • Have no county court judgements (CCJs)
  • Don't already hold a Post Office credit card
  • Earn at least £20,000 per year

More about this card...

Post Office Limited
80-86 Old Street
London, EC1V 9NN
www.postoffice.co.uk

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