Credit Cards – Personal Banking

Looking for a credit card?

See our range of cards, compare benefits and decide if we have the right one for you

Lending criteria, terms and conditions apply.

Classic Credit Card Three months interest-free on purchases

Black Credit Card Enjoy six months interest-free on purchases

Manage Your Card Managing your existing credit card

Classic Credit Card

Enjoy 3.9% p.a. (fixed) on balance transfers for 12 months

Three months interest-free on purchases.
Transfer balances from up to five credit cards.
No balance transfer fee.
Add an additional cardholder and pay just one annual Government Stamp Duty fee.
Manage your card from anywhere in the world, set up a travel plan or lock and unlock your card in our user friendly mobile app.

Representative Example

Interest rate

17.9%

p.a. (variable)

Representative APR

22.7%

(variable)

Assumed credit limit

€1,500

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 €1,500, if you make 12 equal monthly repayments, the total amount you will have to repay is €1,665.04. This includes €135.04 in interest and the €30 Government Stamp Duty.

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

To apply, you must be a Republic of Ireland resident, aged 18+. Subject to status and conditions. App available on most smartphones to customers with Anytime Internet Banking and a Republic of Ireland or international mobile number in specific countries.

Find out more and apply

Black Credit Card

Enjoy 0% p.a. (fixed) on balance transfers for 12 months

Six months interest free on purchases.
No balance transfer fee.
Add an additional cardholder and pay just one annual Government Stamp Duty fee.
Manage your card from anywhere in the world, set up a travel plan or lock and unlock your card in our user friendly mobile app.
No foreign transaction charges on non Euro purchases or cash advances (1.5% cash handling fee still applies to cash advances).

Representative Example

Interest rate

13.9%

p.a. (variable)

Representative APR

16.1%

(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 credit of €3,000, repaid in 12 equal monthly payments, the total amount you will have to repay is €3,242.75. This includes €212.75 in interest and the €30 Government Stamp Duty.

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

To apply, you must be a Republic of Ireland resident, aged 18+, earning at least €40,000 per year. Subject to status and conditions. App available on most smartphones to customers with Anytime Internet Banking and a Republic of Ireland or international mobile number in specific countries.

Find out more and apply

Balance transfers

You can transfer up to 95% of your credit card balance to the Classic, Black credit cards (minimum €100). No Balance Transfer fee applies.

Find out how to transfer a balance

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

What is credit scoring?
What is credit scoring?
Like other responsible lenders, to help us make decisions on when to give you credit, we use a system called credit scoring when we assess your application. Credit scoring helps us predict how likely we are to get back the money we lend. It's a consistent, accurate and fair way of assessing risk. We use credit scoring for applications for loans, credit cards, overdrafts, mortgages and some current accounts.

To work out your credit score, we look at:
- Information you give us when you apply.
- Your history with us.
- Information from credit reference agencies that show us whether you've kept up to date with payments on any credit accounts (that could be mortgages, loans, credit cards or overdrafts), or if you've had any court action such as judgements or bankruptcy.
How long does an online application take?
How long does an online application take?
On average it takes about 15 minutes to complete an online application. To ensure you can complete the form accurately, you'll need to know:
- Your address details for the last three years
- Your income and employment details
- Your bank account number and sort code
- Your Personal Public Service Number (PPSN) or Individual Tax Reference Number (TRN)
When will I get my card?

When will I get my card?

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

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.

Once your application has been processed, and if it is approved, we aim to get your new card to you within 5-7 working days.

Other ways we can help

Our Guide to Credit Cards

For information on credit card interest, balance transfers, store cards and keeping your credit card safe, as well as useful tips about how to use it.

Credit cards guide

Manage your existing credit card

Find out how to make a payment, view your transactions, change your credit card and more. It's all here in one handy place.

Existing customer hub

Add your signposting title here… Ulster Bank Rewards

Helping each other is help for what matters. That's why we're proud to introduce Ulster Bank Rewards in partnership with Visa. Register your Ulster Bank Visa card with our Rewards programme and you'll enjoy great cashback bonuses when you shop at some of Ireland's favourite retailers.

Simply register your card, activate your offers by signing in, shop at participating retailers, and receive helpful cashback rewards.

Find out more

Credit Cards – Personal Banking | Ulster Bank

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