✅ The PTSB ICE Visa credit card gives new customers 0% interest on balance transfers for the first six months.
✅ Enjoy 0% interest on purchases for the first three months straight after your card is approved.
✅ Get up to 56 days of interest-free credit whenever you clear your full balance every month.
✅ Spend with confidence internationally, since the card is accepted worldwide wherever the Visa logo appears.
✅ Add a second card for a family member over 18, completely free of charge, so you can share the benefits.
Why the Utua team recommends the PTSB ICE Visa credit card?
The PTSB ICE Visa credit card an appealing choice for anyone in Ireland planning a large purchase or looking to consolidate existing debt, since the combination of a 0% purchase period and a 0% balance transfer offer gives new cardholders real breathing room before interest starts to apply.
Existing PTSB customers registered for Open24 online banking can also apply directly through the PTSB app, often receiving a decision within minutes, which makes the whole process considerably faster than a traditional branch visit.
After the promotional period ends, a purchase rate of 16.50% (variable), equivalent to 22.53% APR (variable), applies to new purchases and any balance not cleared in time, alongside a Government Stamp Duty of €30 charged annually. This transparency, combined with the flexibility to choose a repayment amount from 2.5% of the balance or €5 (whichever is greater), makes the card a solid, well-rounded option for disciplined spenders.
Contactless spending with Apple Pay and Google Pay
With a payment-enabled mobile device, cardholders can tap and pay securely without being limited to the usual €50 contactless ceiling. This is particularly handy for commuters and frequent shoppers, and it works seamlessly with both Apple Pay and Google Pay on supported devices.
Beyond mobile payments, there are no day-to-day transaction fees on standard purchases, though charges apply to cash withdrawals and non-euro transactions abroad. Cardholders can also choose from four monthly payment dates, making it easier to align repayments with salary dates or other regular outgoings.
Author’s opinion
For the Utua team, the strongest point of the PTSB ICE Visa credit card is the length of its interest-free windows, since six months on balance transfers and three months on purchases give cardholders genuine time to plan repayments without extra pressure.
That said, the variable purchase rate that follows the promotional period is a detail worth watching closely, and applicants should also be aware that in-app approval requires a PTSB salary-mandated current account, which may not suit every profile.
Apply for the PTSB ICE Visa credit card today?
If you want to check your eligibility and find out exactly how to apply for the PTSB ICE Visa credit card, click the button below to see the full requirements and application steps.
