The Ulster Bank Credit Card - Credit Cards | Ulster Bank

Cookies on the Ulster Bank website

Privacy Notice:

We use cookies and similar technologies on our websites and mobile applications to help provide you with the best possible online experience. By using our sites and apps, you agree that we may store and access cookies and similar technologies on your device.

You can find out more and set your own preferences here.

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 be a UK resident, 18+ and earn 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 Royal Bank of Scotland Group credit card.

 

Representative Example                                                                                                       

Purchase rate

9.9%

p.a.(variable)

Representative APR

9.9%

(variable)

Credit limit

£1,200

Annual Fee

£0

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
Add your signposting title here…

Frequently asked questions

  • How do I transfer a balance to The Ulster Bank Credit Card?

    How do I transfer a balance to The Ulster Bank Credit Card?

    You can request a balance transfer as part of your application. Alternatively, please give us a call on 0345 300 4642* when your application has been approved. You can make any number of balance transfers at any time as long as you do not exceed 95% of your available credit limit (min £100).

    It can take up to three weeks to process your application and for payment to reach your other accounts, so please make payments to your other cards to keep them up to date and avoid any penalty fees.

    Approval for a balance transfer is available once your application has been accepted. 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 can transfer balances from non-RBS Group companies' credit or store cards. We can refuse to accept any balance transfer request. 

    *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.

  • Can I change my existing credit card to The Ulster Bank Credit Card?

    Can I change my existing credit card to The Ulster Bank Credit Card?

    If The Ulster Bank Credit Card suits your needs, you're welcome to apply. If your application is successful, you’ll receive a new credit card, PIN and credit limit. All applications are subject to status and a credit assessment. 

  • When will I get my card?

    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.

Ready to apply?
Apply now Choose a different card
Set Tab for lightbox