Post Office Money Platinum Credit Card
Which? 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.
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|
|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|
|Rate period||18 months|
|Limit period days||181|
|Rate period||28 months|
|Maximum interest free days (purchases)||56|
|Days to pay||25|
|Monthly payment min %||2.5%|
|Monthly payment min £||£5|
|Returned payment fee||£12|
|If you exceed credit limit||£12|
|Foreign usage fee (Europe)||0.0%|
|Foreign usage fee (worldwide)||0.0%|
|Charges for cash withdrawals||Yes|
|Cash withdrawal percent||2.5%|
|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|
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.