Which? uses cookies to improve our sites and by continuing you agree to our cookies policy

Back to table

Post Office Money Platinum Credit Card

Post Office Money Platinum Credit Card

? customer score 66%

Represent­ative APR (variable) Purchase interest p.a. Cash withdrawal APR Annual card fee
The interest rate for borrowing that at least 51% of the customers accepted will pay.
The annual interest rate you'll pay on new purchases.
The interest rate you'll pay on cash you withdraw from an ATM.
The fee you'll pay for having the card each year, if any.
18.9% APR 18.9% 27.9% £0

Reward scheme details

0% on balance transfers for the first 18 months. A balance transfer must be made within 90 days of the balance transfer transaction date. 0% on purchases for the first 28 months. No fees on purchases overseas. No cash fee when you purchase Post Office Travel Money.

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

Post Office customer satisfaction scorecard:

How do we work this out?
Keeping you up to date with new deals Transparency of charges / penalties Online account management Customer service Overall customer score



We have not been able to rate this provider as our customer satisfaction survey didn't generate a big enough sample of its customers but we aim to rate as many providers as possible

Eligibility to open an account

Can be used for building credit rating No
Minimum income required to open account £8,000
Opening account is by invitation only No
Account is for existing customers only No
Further notes about eligibility Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.
Minimum age to open an account 18

Intro balance transfers

Rate period 18 months
Annual interest 0.0%
Fee 2.89%
Fee min N/A
Fee max N/A
Limit period days 181

Intro purchases

Rate period 28 months
Annual interest 0.0%

Standard balance transfers

Annual interest 18.9%
Fee 2.89%
Fee min N/A
Fee max N/A

Standard purchases

Annual interest 18.9%

Standard cash

Annual interest 27.9%

Other features

Repayment details

Maximum interest free days (purchases) 56
Days to pay 25
Monthly payment min % 2.5%
Monthly payment min £ £5

Card charges

Returned payment fee £12
Late payment £12
If you exceed credit limit £12

Foreign usage

Foreign usage fee (Europe) 0.0%
Foreign usage fee (worldwide) 0.0%

Cash withdrawal fees

Charges for cash withdrawals Yes
Cash withdrawal percent 2.5%
Minimum charge £3

Available to manage

Online Yes
Branch Yes
Telephone Yes

Reward schemes

Reward is charity donation No
Reward is cash back No
Reward is Airmiles No
Reward is points No
Reward is vouchers No
Reward is travel No
Reward is Avios No
Reward is discount No

Repayment note

If you do not pay the total outstanding balance in full by the payment due date, the amount you pay will be allocated to higher interest rate balances before lower interest rate balances. Where fees and charges are payable, your payment will be allocated to the interest rate applicable to these fees and charges relating to any higher interest rates first.