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Lending criteria, terms and conditions apply.
Clear Rate Credit Card
Gold Credit Card
Student Credit Card
Our credit cards
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)
£24 per year
No annual fee
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
Find out more
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.
Become a MasterCard customer and you’ll enjoy lots of exclusive offers. Learn more by visiting the MasterCard site.
Call us on 0800 046 6486
Lines are open: Monday to Friday 8.30am-7.30pm, except bank holidays, and Saturdays 9am-2pm. Calls may be recorded.
Classic, Clear Rate and Student cardholders: 0345 300 4642
Gold cardholders: 0345 300 4643
World cardholders: 0845 301 7628
Lines are open 24 hours a day. Calls cost up to 10p per minute plus up to 16p connection charge from BT lines. Calls from other networks may vary. Calls may be recorded.
To pay your bill or check your balance, contact us on: 0345 742 4365.
(+44 289 053 8033 if calling from abroad).
To register for telephone banking call: 0345 900 3200.