Avant Money Everyday+ cashback rate, cap and annual fee
Avant Money Everyday+ pays 1% on groceries — on the first EUR 2,500 you spend on it each month, which is where the EUR 25 cap stops it.
Avant Money · Ireland · catalogue v101
Read from Avant Money's own published terms on 24 Sep 2026.
NoneAnnual fee
1%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| groceries | 1.00% | EUR 25reached at EUR 2,500 of spend1% after the first 12 months (5% in the first 12 months, capped at EUR 25 a month). Supermarkets, convenience stores, bakeries, butchers, dairy. |
| everything else | 0.10% | —0.1% cashback on all other retail spend. Excludes gambling, crypto, quasi-cash, balance and money transfers, fees and interest. |
The only Irish credit card that pays cashback on everyday spending, and the headline rate is a first-year rate. Avant Money: "5% cashback on grocery and fuel purchases up to a maximum of EUR 25 per month for the first 12 months", then 1%, and 0.1% on all other retail spend at any time. The rates shown here are the ones that apply after the first year. Avant's own pages disagree about year two: its FAQ says 1% after the first 12 months, the card's page says "reduced to 1% on grocery purchases" only, so fuel is shown here at the 0.1% everything-else rate rather than a 1% the card page does not promise. Grocery means supermarkets, convenience stores, bakeries, butchers and dairy shops (MCC 5411, 5499, 5462, 5451, 5422, 5441); pay-at-the-pump fuel is excluded from the fuel code. Cashback is capped at EUR 25 a month. Avant charges the EUR 30 government stamp duty and refunds it the same day, so the card costs nothing to hold. A 2.65% commission applies to transactions made outside the Eurozone. Source: avantmoney.ie Everyday+ page and credit card FAQ, read 24 Sep 2026.
Questions people ask
What cashback does the Avant Money Everyday+ pay?
1% on groceries and 0.1% on everything else. The top rate is capped at EUR 25 a month.
Is there a cap on the Avant Money Everyday+?
Yes. groceries is capped at EUR 25 a month.
What is the annual fee on the Avant Money Everyday+?
No annual fee.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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