Gold Mastercard - Credit Cards | Ulster Bank

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Gold credit card

Enjoy six months interest-free on purchases

Apply online

Available to Republic of Ireland residents aged 18+, earning at least €30,000 per year. Subject to status and conditions. Lending criteria, terms and conditions apply. To benefit from the full period of any introductory special offers, you must not break any terms of your credit card agreement.

 

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

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

Add an additional cardholder and pay just one annual Government Stamp Duty fee.

Representative Example                                                                                                

Interest rate

16.9%

per year (variable)

Representative APR

19.2%

(variable)

Assumed credit limit

€3,000

Government Stamp Duty

€30

APR (Annual Percentage Rate) 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.

Your actual credit limit and APR may vary depending on our credit assessment of you.

Balance transfers
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You can transfer up to 95% of your credit card balance to the Gold credit card (minimum €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.  The amount that we can process will depend on the allocated credit limit. 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. You may not transfer the balance from another Ulster Bank credit card.

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