One Direct Credit Card
0%footnote * (fixed) on balance transfers
For 10 monthsfootnote a
0%footnote * (fixed) on money transfers
For 10 monthsfootnote a
Only if you pay your statement balance in full and on time each month
14.9% p.a. (variable) thereafter and on card purchases.
19.3% (variable) (including annual government stamp duty of €30)
Representative example
If you made:
- a single purchase on your card up to a credit limit of €1500 at a standard annual rate of 14.9% p.a. (variable), 19.3% APR (variable) and
- repaid in 12 equal monthly repayments
- your monthly repayment would be €137.38 and
- the total amount payable would be €1648.61 (including annual government stamp duty of €30.00)
Who’s it for?
The One Direct credit card is the smart choice for competitive interest rates, interest-free transfer savings, easy access to support through online account management and a 24-hour service line.
Card features...
Get up to 58 days interest freefootnote d
on card purchases
Money transfers
For a cash boost transfer money from your credit card to current account. This is a great way to purchase those larger items such as a holiday or car. No transfer feefootnote c.
Balance transfers
A good way to consolidate all your outstanding card balances onto one card with one monthly payment. No transfer feefootnote c.
No annual feefootnote c
Great benefits and service come as standard...
- Paperless Statements - this account is set up with paperless statements. To access your statements you will need to register for Online Card Services.
- Free Online Card Services - check your balance, transactions, set up direct debits, view your statements and more.
- Fraud protection - you will not be liable for fraudulent transactions online or on the high street, providing you tell us as soon as you notice any unusual transactionsfootnote b
- 24 hour customer contact centre - wherever you are worldwide, our customer satisfaction representatives are just a phone call away.
Apply Now for the One Direct Credit CardApply online for the One Direct Credit Card - it only takes a few minutes.
* Although we do not charge a handling fee for this transfer, where applicable, interest will be charged on this transaction as detailed in your terms and conditions or on the back of your most recent statement( for new offers)or, alternatively, you can log on to our Online Banking system to view your applicable rate. Please note your promotional rate will be withdrawn from the beginning of any statement period during which you have breached your terms and conditions, for example by paying your monthly payment late or by allowing your balance to go over your agreed credit limit. If you settle other cards and loans your monthly payment may be lower. Charges may be incurred for the early settlement of other loans.
aFrom the date your account is opened. Your promotional rate will be withdrawn from the beginning of any statement period during which you have breached your terms and conditions eg by paying your monthly payment late or by allowing your balance to go over your agreed credit limit.
bIf your card is lost or stolen, you'll incur no liability for fraudulent use of your card provided you notify us as soon as you realise your card is missing or you notice any unusual transactions on your account.
cPlease note, there is an annual stamp duty charged by the Government on all Irish credit card accounts.
dOnly if you pay your statement balance in full and on time each month.
Want to see our rates explained? – Visit our application page for more information.