Avant Money
Enjoy up to 5% cashback on groceries, 0% interest on balance transfers for up to 12 months, and credit limits up to €1,500 or more. Flexible cards for savvy spenders.
Avant Money credit cards offer a blend of cashback rewards, competitive interest-free deals and flexible repayment options. Their Everyday+, One Card and Reward+ products cater for a variety of financial needs, whether you want to save on groceries, clear existing card balances or seek cash rewards.
With interest rates ranging from 16.8% to 20.8% variable, credit limits starting from €1,500 (subject to approval) and features like no government stamp duty on certain cards, Avant Money provides practical options for Irish cardholders.
Benefits include up to 5% cashback on grocery spending for the Everyday+ card (max €25 monthly), 0% interest on balance transfers for 6-12 months (product dependent), and possible €150 cashback offers. Select cards refund a portion of interest and allow up to three extra cardholders for no additional fee.
How to Apply for Avant Money Credit Cards
Start by choosing the Avant Money credit card that suits your needs. Consider the cashback, intro rates and standard APRs offered on each one.
Check your eligibility by reviewing age (over 18), Irish residency, income, and credit history requirements. Make sure you have documentation ready.
Complete the online application or contact their support team via telephone. You will need to upload proof of ID, proof of address and a recent bank statement.
Once submitted, await feedback from the Avant Money team. They’ll contact you if further information is required or provide a decision promptly.
If approved, your card and PIN will be posted to you. Register on their portal to activate your card and manage your account online with ease.
Key Pros of Avant Money Credit Cards
One of the major strengths is the rewarding cashback program, especially for new Everyday+ customers who get 5% back on groceries for the first year.
The 0% interest periods on both purchases and balance transfers can help cardholders save considerable amounts on existing debt repayments.
Applying is straightforward, and adding additional cardholders comes at no extra cost, making these cards accessible for family spending.
The €150 welcome cashback on select cards, provided you meet spending or transfer conditions, is a leading offer among Irish credit card promotions.
Avant Money’s integration with Apple Pay and Google Pay also streamlines digital payments and enhances overall convenience.
Inconvénients potentiels
The highest cashback rates are limited in duration (first 12 months) and there are monthly caps, so big spenders may feel restricted.
Interest rates, while competitive, are still variable and can rise, affecting repayments over time, especially if balances aren’t cleared monthly.
The application requires detailed documentation and a full credit check, which may put off those with less established credit records.
Not all cards offer no stamp duty; only Everyday+ refunds the annual €30 charge. Other cards still require this payment.
Some transactions and spending categories are excluded from promotional cashback or transfer rates, so reading terms is essential.
Notre verdict
Avant Money credit cards deliver strong value through headline offers—particularly the cashback and zero-interest promotional windows. Their choice of products means most Irish consumers will find an option that matches their shopping or refinancing goals.
If you pay off balances in full or want to save on interest, these cards certainly deserve consideration. The simple online management features and bonus offers add to the appeal. However, always consider the terms and ensure you meet the necessary requirements before applying.
