The Ulster Bank Credit Card - Credit Cards | Ulster Bank

The Ulster Bank Credit Card

The Ulster Bank Credit Card

The perfect travel companion at home and abroad

Representative 9.9% APR (variable)

To apply, you must hold a current account, savings account, credit card or mortgage with Ulster Bank, be a UK resident, aged 18+ and earning at least £10K per year

Why this credit card?



No foreign transaction fees

No annual fee


Low rates on purchases and balance transfers


This credit card in detail…

No foreign transaction fees


You won't pay any additional fees on transactions abroad and there's nothing added on top of the MasterCard exchange rate. Please note you'll still pay fees on ATM and cash advance transactions abroad.

Low rates on purchases and balance transfers


Whether you're transferring a balance or making a purchase, you might pay a low interest rate of 9.9% p.a. (variable) on purchases and 6.9% p.a. (variable) on balance transfers.  If you're paying a higher rate on your existing credit card, you could save money by transferring your balance to this credit card.


Remember, 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. It’s a feature of all credit cards in the UK.



No balance transfer fees


We don’t charge you a balance transfer fee.


You can transfer balances of at least £100, up to 95% of your available credit limit. Please note we can’t accept transfers from another NatWest Group credit card.

Representative Example                                                                                                       

Purchase rate



Representative APR



Credit limit


Annual Fee


Your actual credit limit and APR may vary depending on our credit assessment of you.

You may receive higher than our standard purchase rate of 9.9% p.a. (variable) up to 18.9% p.a. (variable) and higher than our balance transfer rate of 6.9% p.a. (variable) up to 14.9% p.a. (variable) upon application. Interest on fees and charges is payable in line with our terms and conditions. See the summary box document for more details. 

Ready to apply?


The application should take around 15 minutes.

Apply now
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Frequently asked questions

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