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.
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Important Notice about Closure to New Business
With effect from close of business 29 October 2021, Ulster Bank Ireland DAC will not accept any new application requests from personal customers. There are some exceptions to this for existing customers, click here for further information.
Credit Cards
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
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.
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).
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.
Balance transfers
You can transfer up to 95% of your credit card balance to the Classic or 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.
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.