Credit Cards – Personal Banking | Ulster Bank

Our range of credit cards

Credit cards

See our range of cards, compare benefits and decide what credit card suits your needs

Lending criteria, terms and conditions apply.

Compare our credit cards

Classic credit card

A card with 3 months interest-free on purchases

Representative Example

Representative Annual Percentage Rate (APR) 22.7% (variable). 

APR is based on purchases and is inclusive of Stamp Duty of €30. Assuming a credit limit of €1,500, if you make 12 equal monthly repayments of €125, the total amount you will have to repay is €1,665.04. This includes €135.04 in interest.

17.9% (variable) interest on purchases and balance transfers.

 To apply, you must be a Republic of Ireland resident, aged 18+. Subject to status and conditions.

Find out more and apply

Gold credit card

A card with 6 months interest-free on purchases

Representative Example

Representative Annual Percentage Rate (APR) 19.2% (variable). 

APR is based on purchases and is inclusive of 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.

16.9% (variable)  interest on purchases and balance transfers.

 To apply, you must be a Republic of Ireland resident, aged 18+, earning at least €30,000 per year. Subject to status and conditions.

Find out more and apply

Student credit card

A credit card to make the most of your student life

Representative Example

Representative Annual Percentage Rate (APR) 35.0% (variable). 

APR is based on purchases and is inclusive of Stamp Duty of €30. Assuming a credit limit of €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.

17.9% (variable) interest on purchases and balance transfers.

 To apply, you must be a Republic of Ireland resident, aged 18+ and have an Ulster Bank Student Account. Subject to status and conditions. 

Find out more and apply

To benefit from the full period of any introductory special offers, you must not break any terms of your credit card agreement. The minimum monthly repayment is 3% or €5, whichever is greater.

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Frequently asked questions

How to apply for a credit card

 

 

Decide which type of credit card best meets your needs.

To apply, you must be aged 18+ and a resident in the Republic of Ireland. 

Complete an online application.

You'll need to know your address details for the last three year, your income and employment details and your bank account number and sort code.

If your application has been approved, we aim to get your new card to you within 5-7 working days.

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