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Credit cards

Introducing our range of credit cards

Lending criteria, terms and conditions apply.

Compare our credit cards

RTE

Clear Rate Credit Card

Gold Credit Card

Student Credit Card

Our credit cards

Clear Rate Credit Card
Gold Credit Card
Student Credit Card

At a glance

A low rate for everyday spending

Our one rate, no fee card

A credit card for students

Annual Percentage Rate (APR)

Representative 11.1% APR (variable)

Representative 16.9% APR (variable)

Representative 18.9% APR (variable)

Annual fee

£24 per year

No annual fee

No annual fee

Balance transfers

Up to 95% of your credit limit
No fee, min £100

Up to 95% of your credit limit
No fee, min £100

Up to 95% of your credit limit
No fee, min £100

Instant online decision

Who can apply?

UK residents aged 18 or over with a regular dependable income

UK residents aged 18 or over, earning at least £20,000 per year

UK residents aged 18 or over with an Ulster Bank Student Account 

Credit card

Contactless

Our MasterCards come with Contactless technology. This means you can pay for everyday items under £20 like coffee, lunch, or a newspaper - in less than a second.

More on Contactless

Exclusive MasterCard benefits

Perks and benefits

Become a MasterCard customer and you’ll enjoy lots of exclusive offers. Learn more by visiting the MasterCard site.

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

Credit cards

How can we help?

See what you need to open an account
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