Student Credit Card - Start applying now | Ulster Bank

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Student credit card

A useful safety net - designed for student life

Available to Republic of Ireland residents aged 18+ who already have an Ulster Bank Student Account. Subject to approval. The minimum monthly repayment will be 3% of the new balance shown on your latest monthly statement or €5, whichever is more. If the new balance is less than €5, you must pay the new balance in full. 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)

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



*App available on most smartphones to customers with Anytime Internet Banking and a Republic of Ireland or international mobile number in specific countries. Data charges may apply.

Representative Example                                                                                                       

Interest rate


p.a. (variable)

Representative APR



Assumed credit limit


Government Stamp Duty


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

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

Balance transfers

You can transfer up to 95% of your credit card balance to the Student credit card (minimum €100).

 Find out how to transfer a balance to the Student 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. We may end any introductory offer, including any balance transfer offer, if you do not pay on time or stay within your credit limit

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Frequently asked questions


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


Student credit card Ready to apply?
Book an appointment

To apply call 1890 587 587


Lines are open: 

Monday to Friday 8.30am - 8pm
Saturday: 9am to 3pm

Calls may be recorded.

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