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Perfect Credit Card for Travelling???

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  • 23-04-2008 1:23pm
    #1
    bazpaul
    Closed Accounts Posts: 64 ✭✭


    Folks,

    Im looking for advice. im thinking of changing credit card before i travel for a year (non europe). I currently have a AIB student Mastercard with €400 in debt on it. I have been looking and i think that the PTSB ICE card is very good and will suit me when travelling however i have a few questions;

    1. Is the PTSB card great for travelling (i.e low cash advance fee's, low non-euro transactions)
    2. I have a mastercard and PTSB ICE is visa, will that cause problems switchin the balance?
    3. I am not too familiar with balance transfers costs, if i transfer from AIB MasterC to PTSB Visa how much interest do i pay?
    4. Do i have to open a PTSB current account to get the ICE card?
    5. Does anyone recommend a better option? should i stay with mastercard? maybe a BOI 2in1 card??

    i know about the credit card comparison sites so pls dont list em!

    Thanks in advance for your help


Comments

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    #2
    Sangre
    Registered Users Posts: 12,168 ✭✭✭✭Sangre


    i'd say ptsb ice is one of the better cards in general, not just travelling.

    balance transfer to the ptsb card is 2.9% for six months. if in credit while travelling no fees. otherwise i think its 1.5% of the euro value of the transaction, minimum 2e. no charges if you miss a payment or go over your limit.

    you don't need a current account and you'll still have access to it online.

    visa might be better option in general if you're going to obscure places.


  • Options
    #3
    Ogham
    Registered Users Posts: 1,844 ✭✭✭Ogham


    Halifax has similar rates to ICE - and has 6 months interest free on Balance transfers and purchases. (It is Visa too)


  • Options
    #4
    kaimera
    Closed Accounts Posts: 16,396 ✭✭✭✭kaimera


    Visa card is accepted in more places and can be used to withdraw cash more so than MC


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    #5
    Rashers72
    Registered Users Posts: 1,207 ✭✭✭Rashers72


    Watch out for the additional charge for transactions on non Euro purchases. over a year, these could really add up. Range from approx. 1% to 3%.
    AIB charge one of highest charges (can't remember which one of the cards has it). Should be listed in all their T+C. Called something like Foreign Exchange Currency charge


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