Student Credit Card - Credit Cards | Ulster Bank

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Student Credit Card

The helpful card for undergraduates

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Available to Republic of Ireland residents aged 18 or over who already have an Ulster Bank Student Account. Subject to approval. Lending criteria, terms and conditions apply.

Why choose a Student Credit Card?

One simple rate of 17.9% (variable) on purchases and balance transfers

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


Representative Annual Percentage Rate (APR) 35.0%
APR is based on purchases and is inclusive of Stamp Duty of €30. The total amount of credit provided is €450, if you make 12 equal monthly repayments of €37.50, the total amount you will have to repay is €520.51. This includes €40.51 in interest.

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.

Manage your card, your way

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

Add your signposting title here… Common questions

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 If you go over your credit limit: €8.50
If your payment is returned for want of funds: €7
Foreign-currency transactions: 2% admin fee per transaction

Student on the Luas

Take a look at our guide to credit cards for more useful information on credit cards.

Student Credit Card Ready to apply?
Book an appointment See our Student Account
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