The Post Office Credit Cards are offered at 0% interest rate on the purchases that you make overseas and on 1st 3 months of your purchase. There is no rate of interest rate on the balance transfer that you make for one year. The APR charged is variable at 16.9%. After one year, for every balance transfer that you make, you will have to pay an interest rate at 2.98%. Apart from that the maximum cash advance that you can get is 500 pounds @ 26.9% rate of interest. The balance transfer limit is set at 2000 pounds.

You can use this Post Office Credit Cards for the repayment of your large loans up to 2000 pounds at just 6.8%. Since there is no annual fee charged, this is one of the best credit cards for those people who have outstanding loans and want to clear it in the minimum of time limit. With the free purchase protection feature, all your goods that you have purchased becomes damaged or stolen any how would be covered under this credit card feature. However you will get this protection feature for up to 1000 pounds of purchase only. There is no maximum balance transfer fee charge and the minimum transfer fee is fixed at 3 pounds. The minimum credit limit is fixed at 500 pounds and you get an interest free purchase for the 1st 56 days using Post Office Credit Cards.

The Post Office Credit Cards are offered in two types. The first is called MasterCard and the other one is called Platinum. The minimum age to apply for this credit card is 18 years and your minimum yearly income should not be less than 8,000 pounds. Even those people who have average credit scores with limited cases of credit defaults can also apply for this credit card. If you lose you credit card while traveling abroad, an instant emergency card would be provided. With online account management, you can track your investments and record your expenditures.

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