Credit Cards

Black credit card

A credit card you could save money with at home or abroad

Enjoy 12 months interest free on balance transfers and 6 months interest–free on purchases. No foreign transaction charges on non Euro purchases or cash advances  (1.5% cash handling fee still applies to cash advances)


Available to Republic of Ireland residents aged 18+, earning at least €40,000 per year. Subject to status and conditions. Lending criteria, terms and conditions apply. 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. To benefit from the full period of any introductory special offers, you must not break any terms of your credit card agreement.

Why choose a Black credit card?

0% (fixed) interest on purchases for 6 months from account opening and 13.9% (variable) thereafter

0% (fixed) interest on balance transfers for 12 months from account opening and 13.9% (variable) thereafter

Manage your card from anywhere in the world, set up a travel plan or lock and unlock your card in our mobile banking app.*

No foreign transaction fees. You won't pay any additional fees on non Euro transactions and there's nothing added on top of the Mastercard exchange rate. Please note you'll still pay fees on non Euro ATM and cash advance transactions.

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

Private Banking Clients: For Credit Card limit requests above €10,000 or to complete an application with our Private Banking Team, email us or contact your Relationship Manager directly to arrange a call back.

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 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.


Balance transfers

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

Find out how to transfer a balance to the Black 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.

Ready to apply?

Not the right card for you?

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Help and support

Call us:

To apply call 1890 587 587

Lines are open: 

Monday to Friday 8.30am - 8pm
Saturday: 9am to 3pm
Calls may be recorded.