Credit Card Nitty Gritty

What’s all this? Check out some important information on our products. If you need more details, call us or drop into your local branch.

A great rate

Purchases 15.0% variable
Cash Advances 20.96% variable
Balance Transfer Rate 0% - see below for more information on Balance Transfer

Representative example

Assume you have a credit limit on your card of €1,500. You use your full limit to make a single card purchase immediately after receiving your card, and you repay the €1,500 in 12 equal monthly instalments of €125 plus any interest charged for that month at a purchase interest rate of 15.0% variable,  20.7% variable (representative APR). The total amount that you will pay back will be €1,651.88, which includes Government stamp duty of €30.00 and interest of €121.88.

Please note: the representative example above does not take promotional rates into account.

Cash Advance means the use of the card for the purposes of obtaining cash or cash substitute (including the purchase of quasi cash, i.e. the purchase of tokens or chips for the purpose of gaming or placing bets on the internet or otherwise).

Balance Transfer

If you transfer a balance from a non-permanent tsb credit card to a new permanent tsb ICE Visa Credit Card, you won’t rack up any interest on the balance transferred for 6 months.  At the end of the promotional period the purchase rate of 20.7% variable (representative APR) will be applied to the remaining balance that was transferred from the non permanent tsb credit card.

Applying is easy

  • Lending Terms and Conditions apply.
  • Some charges will apply. You will incur a charge if an item is returned unpaid on your account, if you do not pay your bill on time or where you exceed your account limit. Charges will apply for additional services and cash advance transactions. For full details of our charges please see our Personal and Business Banking Charges brochure for full details.
  • The ICE Visa credit card is only available to applicants aged 18 and over.
  • To help improve customer service calls will be monitored and recorded.

Proof of income requirements

  • Salary Certificate
  • Current P60
  • 2 of your most recent 3 payslips
  • 6 months bank statements for your main personal current account
  • If self employed you will also need to provide a minimum of 6 months business bank statements.


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