Switch your credit card

How to apply

• If you're an existing permanent tsb customer and want to transfer  your credit card balance, you can call us on 0818 800 196 or +353 1 215 1393 and we will do your application with you over the phone.
• If you are a new permanent tsb customer and want to transfer your credit card balance, you can call us on 0818 837 408 or +335 1 212 4022.
• Not yet a customer? You can make an appointment to pop into any of our branches and submit your application with one of our team. Call us on 0818 50 24 24, Monday to Friday (excluding bank holidays) 9am-5pm and 10am-2pm Saturday and Sunday, to make an appointment.

If you are switching Credit card from another financial institution in order to avoid paying Government stamp duty twice in the same chargeable year ensure to forward us a copy of your GSD certificate showing that you have already paid the fee in order to have your new account marked as exempt. This cert can be dropped into your local branch or posted to the following address Permanent TSB Card Operations, 56-59 St. Stephen’s Green, Dublin 2.

To process your application we'll need the following:

• A completed and signed credit card application form, which we’ll post out to you. If your main bank account is with permanent tsb, this is all we should need you will need to provide us with your PPSN. If approved, you will need to submit proof of PPSN.

If your main bank account is not with permanent tsb, we’ll also need:

• Proof of identification, such as your passport
• Proof of address, such as a utility bill
• Proof of PPSN, such as an Employment Detail Summary (P60)
• Proof of income, such as 3 months of bank statements from your main personal current account. In certain circumstances, 2 recent pay slips may also be required

See our required documents page for details.

• Approval is subject to a minimum credit limit of €1,000

Please note: Not all applications are the same and additional information may be required in certain circumstances.

Top tips for managing your Credit Card

• Set up a Direct Debit - A Direct Debit helps to ensure regular, on-time payments. If you didn’t set one up when you applied for your Credit Card, you can still set one up at any time to pay your monthly Credit Card bill. Find out more about setting up a Direct Debit here.
• Where possible, try to make more than your minimum payment each month - Only making the minimum payment will cause interest to build up quickly so it will take you longer and cost you more to pay off your balance. Best practice is to pay the full balance each month so you can enjoy the benefits of using your permanent tsb Credit Card without incurring any additional interest charges.
• Never skip a payment - You should try to never miss a payment, even if the minimum payment is all you can afford, never skip a payment as your credit rating may be impacted.
• Regularly check your account to avoid an over limit fee - If you spend over your approved credit limit, you will be charged an over limit fee of €7.50. The charge will still apply even if you make a payment that brings the account back within the agreed credit limit before you receive your monthly statement.
• Pay on-time to avoid late fees - There is a fixed date by which you need to make your minimum monthly repayment. If your payment is a day or more late, you will be charged a fixed late payment fee of €7.50. This could negatively affect your credit rating. Consider setting up a Direct Debit to avoid this.
• Try to avoid cash withdrawals - Unlike debit cards, you should try to avoid using your Credit Card to withdraw cash. If you do withdraw cash from an ATM with your Credit Card, you will be charged a cash withdrawal fee (minimum €2) and a higher rate of interest applies to all cash withdrawals.