Extra spending power - when you need it most
Available to UK residents aged 18 or over who already have an Ulster Bank student account.
The Ulster Bank student credit card comes with contactless technology, can be used at home and abroad and provides you with a manageable credit limit to help you make the most of student life.
Icon expand Manage all of your money in one place using our online banking tools
Icon expand Up to 56 days interest free on purchases
You can get up to 56 days interest free credit on purchases if you pay your balance (and your previous month's balance) in full and on time each month. Note that an interest free period on purchases is a feature of all credit cards in the UK.
Icon expand A maximum credit limit of £350
A manageable limit to give you a helping hand when you need it.
Icon expand Start building your credit rating for the future
Providing you keep up-to-date with your payments, you could begin to build your credit rating which can be helpful further down the line if you are looking for a loan or mortgage.
Always make sure you pay on time and stay within your credit limit.
Icon expand Use your contactless card to make purchases at home and abroad
Useful if you're going travelling, it is widely accepted around the world wherever you see the Mastercard logo (purchases abroad are subject to a non-sterling transaction fee of 2.75%). Also, our Ulster Bank Mastercards come with contactless technology.
Find out more about contactless credit cards here
Your credit limit may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.
Can I use my Student credit card abroad?
Our Ulster Bank Student Credit Card is widely accepted at millions of overseas retailers and ATMs, so your money is easily accessible. Just look for the Mastercard logo when you're abroad then use your card as normal.
Payment Scheme Exchange Rates are set by Mastercard and you should note that currencies fluctuate every day. Ulster Bank credit card transactions in a foreign currency also incur a 2.75% non-sterling transaction fee.
Can I use Apple Pay with my Student credit card?
To use Apple Pay in stores you need an iPhone 6, iPhone 6 Plus, iPhone 6S, iPhone 6S Plus or Apple Watch. Apple Pay can also be used to pay within apps on an iPhone 6, iPhone 6 Plus, iPhone 6S, iPhone 6S Plus, iPad Air 2, iPad Pro or iPad mini 3 and 4.
I want to make a payment to my card, where do I go?
You can make payments to your credit card in a number of ways.
Find out more about paying your credit card bill.
When will I get my card?
If your application has been approved, we aim to get your new card to you within 5-7 working days.
How long does an application take?
On average it takes about 15 minutes to complete an online application. To ensure you can complete the form accurately, you'll need to know:
- Your address details for the last three years
- Your income and employment details
- Your bank account number and sort code
Where can I find your exchange rates?
To order or sell us your foreign currency, please visit your local branch which you find using our branch locator tool.
If you are going abroad, our travel & international section contains loads of information you may find useful before, during and after your trip.