Gold Mastercard - Credit Cards | Ulster Bank

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Gold Credit Card

Six months interest-free on purchases

Apply online

Open to Republic of Ireland residents aged 18 or over, earning at least €30,000 a year (subject to status and conditions). Lending criteria, terms and conditions apply.

Why choose a Gold Credit Card?

0% (fixed) interest on purchases for 6 months from account opening and 16.9% (variable) thereafter

3.9% (fixed) interest on balance transfers for 12 months from account opening and 16.9% (variable) thereafter

No annual fee or balance transfer fee (Government Stamp Duty of €30 applies)

Gold Credit Card


19.2% Representative Annual Percentage Rate (variable)
APR is based on purchases and is inclusive of Government Stamp Duty of €30. Assuming a credit limit of €3,000, if you make 12 equal monthly repayments of €250, the total amount you will have to repay is €3,286.04. This includes €256.04 in interest.

Please note: To benefit from the full period of any introductory special offers, you must not break any terms of your credit card agreement.

Additional features What else can you expect?
Interest-free credit

Up to 56 days interest-free credit on purchases if you pay your balance (and your previous month's balance) in full and on time each month.

Flexible credit limits

After six months you can ask us to review your credit limit (subject to approval). The minimum credit limit for the Gold Credit Card is €3,000.

Manage your card your way

Check your balance and pay your credit card online or using our mobile banking app.

Additional cardholders

If you add another cardholder you'll pay just one annual Government Stamp Duty fee.

Balance transfers
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You can transfer up to 95% of your credit limit to the Classic Credit Card (min €100). Find out how to transfer a balance to the Gold Credit Card.

Approval for a balance transfer is available once your application has been accepted. If your credit limit is insufficient to process all of your requests, we will action them in the order in which you have provided them to us.

Important information

Minimum monthly payment is 3% of the outstanding balance or €5, whichever is more. 

Cash advances: handling fee 1.5%, minimum €2.54
If your payment is late or you go over your credit limit: €8.50

If your payment is returned due to a lack of funds: €7
Foreign-currency transactions: 2% admin fee per transaction


Take a look at credit card important information for further information on rates and charges.

Perks and benefits

Become a MasterCard customer and you’ll enjoy lots of exclusive offers. Learn more by visiting the MasterCard Priceless Ireland website.

Find out more
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