Hello tesco

Welcome to Avantcard<br/><small>Ireland's fastest growing consumer finance brand</small>

Welcome to Avantcard
Ireland's fastest growing consumer finance brand

We are delighted to welcome you on board. We want to ensure we bring you the very best offers and services that we can.

There are many great benefits and features with your contactless Avantcard credit card.

1General and Clubcard Information

The interest rates and credit limit on your Avantcard credit card will remain the same as your Tesco Bank credit card.

You will continue to earn the same amount of Tesco Clubcard points when using your Avantcard credit card.

  • Earn 1 point for every €2 spent in Tesco stores using your new Avantcard credit card.

  • Earn 3 points for every €2 spent in Tesco stores when you use your new Avantcard credit card, along with your new ClubCard.

  • Earn 1 point for every €8 spent in all other stores.

Extra Clubcard points

As a special thank you, you will receive an extra 250 Tesco ClubCard points when you use your Avantcard Credit Card 3 times or more during November. It’s that simple.

2Getting your PIN – for Tesco customers only*

  • Don’t forget to get your PIN by SMS before you start using your card. Please note that your mobile network provider may charge you for this SMS.

  • To retrieve your PIN number, send your date of birth, in the format DDMMYYYY (e.g. 15th February 1980 would be 15021980) to 086 180 3169.

  • To make contactless transactions, you will first need to make a transaction using the chip and PIN.

  • Be sure to memorise your PIN and delete the SMS straight away.

  • If you have any questions or need some assistance, simply call us on 071 959 4097**

*Currently only customers moving from Tesco to Avantcard have access to this service.

** Opening hours from 8am to 8pm Monday to Friday, 10am to 2pm on Saturdays excluding bank holidays

3How to register online

Step 1: Set up your online banking account

Go to www.avantcard.ie, click on the login button and then register your account by setting up your username and password.  Have your account number at hand as you will need this to set up your online banking profile. Only the main cardholder can complete this.

Once the main cardholder has activated their card, all other cards on the account will be activated.

Step 2: Update your details

Ensure your details are up to date, especially your email address and mobile number (you will need this to get your PIN).


4Making Payments

You will need to use your new credit card or account number when making payments to your Avantcard credit card account.

  1. To make payments online, via telephone banking or by standing order from your bank account provider, you will require the following 3 pieces of information;

    • Our BIC which is CITIIE2X

    • Our IBAN IE90CITI99005117683012

    • Your new Avantcard account number. This is a 16 digit account number which begins with 245. This is different to your credit card number. You will find this number in the blue header of your online banking account or on your statement. Using any other information as a reference may result in your payment being returned.

  2. If you were paying your Tesco credit card by Direct Debit, you do not need to make any changes. It will automatically transfer to your Avantcard account.

  3. To pay at the Post Office, you will need to bring your new Avantcard credit card or statement. Payments made at the post office will incur a charge of €0.97.

  4. You can also make payments directly to us with your debit card on our automated telephone system by dialing 071 959 4097, or through your online banking account.

Title 5

Our Products and Services


Tesco BTMT

  • Balance Transfers


    What is a Balance Transfer?

    A Balance Transfer allows you to quickly transfer a balance owed to another credit card provider to your Avantcard credit card and could save you money on interest payments.

    How it works!

    You can transfer from €100 right up to 95% of your credit limit from your other credit cards to your Avantcard credit card at our competitive interest rates.


    To request a Balance transfer, call our sales team on 071 959 4051



    Find out more
  • Money Transfers


    What is a Money Transfer?

    A Money Transfer is a transfer of money from your credit card to your bank account at a competitive interest rate.

    How it works!

    Instead of using your current account or overdraft, with an Avantcard credit card you can borrow for a six month period at a competitive interest rate. You can transfer from €100 up to 95% of your available credit to your bank account.  The money can be in your bank account within one business day subject to approval. It’s that simple!

    To request a Money transfer, call our sales team on 071 959 4051


    Find out more

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AU and Avnatages




    Avantages is our new customer rewards programme, to help you save money with 100’s of discounts, cashback offers and competitions from leading retailers available at your fingertips. These offers are available via our partners, Wrkit, Mastercard and Booking.com.

    Once you use your Avantcard credit card, not only will you receive ClubCard points, you also benefit from the great discounts and savings with Avantages. Avantages can be accessed through your online banking account.

    Sign up now



    We offer Personalised Pricing on loans from €5,000 to €75,000.

    What is Personalised Pricing?

    It offers customers a great interest rate based on their individual financial and credit profile, along with the amount they wish to borrow. We reward customers who have a better credit profile with lower rates, and open the door to those who may find themselves declined by other lenders, to avail of credit at interest rates that are still competitive.


    Apply today

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Loans and OLB


    Authorised Users


    Great news! You can have up to 3 additional cardholders who will receive their own credit card and PIN, providing them with access to your credit limit. However, only the main cardholder of the account will have access to account maintenance services and will remain liable for the transactions on the account.


    Online Banking


    There are many great benefits to our online banking:

    • Access 365 days a year

    • eStatement available at your fingertips

    • Request to increase your credit limit

    • Add a travel notice

    • Replace your card

    • Earn great rewards with Avantages

Loan BTMT key infos


    Loans key information

    Lending criteria, terms and conditions apply. New applicants only. Available to residents of the Republic of Ireland over the age of 18 and subject to repayment capacity and financial status. Rates offered take into account financial profile and credit history. Lending is unsecured and not available for business purposes, house purchase or investment. Information correct as of September 17th 2018 and is subject to change.

    Balance and Money Transfers key information

    Transfers are available to the main cardholder on the account only. The account should be up to date and not restricted. We may use our contractual discretion not to authorise a Transfer in certain circumstances, for example by acting to prevent potential over indebtedness.


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Benefits of Avantcard Mastercard


Benefits of Avantcard Mastercard


Publicador de contenidos

As a Mastercard customer, Priceless Ireland gives you access to exclusive experiences at home and abroad.  Why don't you sign up today at www.priceless.com to be the first to hear about exciting new offers and experiences?

Your new card will be contactless so you have a super quick way to pay for anything up to €30.

To start using contactless, just buy something using chip and PIN and this will then activate the contactless function.

Don’t worry if sometimes we ask for your PIN, it is all part of our added security programme.

Mastercard credit cards are accepted globally wherever the Mastercard logo is displayed.  You can use your credit card to make withdrawals in cash machines all over the world.  You can also make over-the-counter withdrawals in banks, building societies and bureau de changes.

With your Avantcard credit card, all your contactless transactions are safe. Contactless payments provide secure encryption technology and are as safe as your regular card.

  1. You are in control – your contactless-enabled card or device never leaves your hands to make a payment
  2. No accidental payments – your contactless-enabled card or device must be close to the reader at the checkout to work
  3. Not billed twice – even if you tap more than once at the checkout, you’ll only get billed once for your purchase

When you use your Avantcard credit card to book your holiday, you’re protected. Which means you can book with confidence and just focus on enjoying your trip. And you won’t be held responsible for fraudulent purchases. All of which will give you peace of mind and the freedom to pick up a few priceless souvenirs.

Frequently Asked Questions

Frequently Asked Questions

Is Mastercard as widely accepted as Visa?

Yes, your new Mastercard credit card will be accepted globally wherever the Mastercard logo is displayed. You can also use your card to make regular withdrawals in cash machines all over the world. You can also make over-the-counter withdrawals in banks, building societies and bureau de changes.

What is Contactless?

Contactless means you have a super-quick, no-fuss way to pay for everyday items up to €30 like a coffee, lunch or travel everyday. So, whenever you see the contactless symbol on the card reader, simply tell the retailer you want to pay by contactless and touch your card against the reader.

Am I protected when I shop online?

Yes, we have joined forces with Mastercard SecureCode® to bring you 3D Secure. 3D Secure is a free and automatic online security service that has been created to help guard your Avantcard credit card against unauthorised use online. Depending on the nature of the transaction, you may occasionally receive a text message to your mobile phone with a one-time passcode. You will have to enter this one-time passcode when completing your payment online. Please ensure your mobile phone number is up to date in online banking.

Do additional cardholders on the account need to do anything?

Any additional cardholders on your account should read our privacy policy here.

Where can I learn more about my new Avantcard credit card?

We have a dedicated page on our website to help you out. Click here to read all our FAQ's.