Classic MasterCard - Rates and fees
You'll wonder how you got by without one.
The information below summarises key product features and is not intended to replace any terms and conditions.
Please note Government duty of €30 per annum is payable on credit cards.
| MasterCard APRs and other rates | |||
|---|---|---|---|
| Interest Rates | Introductory Rate | Annual Rate | APR |
| Purchases | 0% (fixed) for 3 months from account opening | 16.620% | 17.9% (variable) |
| Cash Advances | Not applicable | 19.296% | 22.9% (variable) |
| Balance Transfers | 3.9% APR (fixed) for 12 months from account opening | 16.620% | 17.9% (variable) |
| MasterCard monthly rates | ||
|---|---|---|
| Type of transaction | Introductory rate | Monthly rate |
| Purchases | 0% (fixed) for 3 months from account opening | 1.385% (variable) |
| Cash Advances | Not applicable | 1.608% (variable) |
| Balance Transfers | 3.9% APR (fixed) for 12 months from account opening | 1.385% (variable) |
Interest-free period
Maximum 56 days for purchases if you pay your balance in full and on time, and you have repaid your previous months balance in full and on time.
There is no interest free period on cash advances or balance transfers.
Allocation of payments
If you do not pay off your balance in full when you make a payment it will be used to pay off any special offer, balance transfer or promotional offers before any cash withdrawals or standard rate purchases. See terms and conditions for full details.
Minimum repayment
3% or €5, whichever is more.
Fees
Cash advances: handling fee 1.5%, minimum €2.54.
Foreign-currency transactions: administration fee 2%.
If your payment is late: €8.50.
If you go over your credit limit: €8.50.
If you require an additional copy of your statement: €2
If your payment is returned for want of funds: €7
