Credit Cards

Classic credit card

Enjoy three months interest-free on purchases

Why choose a Classic credit card?

  • 0% (fixed) interest on purchases for 3 months from account opening and 17.9% (variable) thereafter
  • 3.9% (fixed) interest on balance transfers for 12 months from account opening and 17.9% (variable) thereafter
  • Manage your card from anywhere in the world, setup a travel plan or lock and unlock your card in 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 €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.


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.