Useful information

Credit Cards

Gold card

  • 0% p.a. (fixed) for 12 months from account opening on balance transfers (subject to 2.9% fee, minimum £3), thereafter 16.9% p.a. (variable)
  • 0% p.a (fixed) for 6 months from account opening on purchases, thereafter 16.9% p.a. (variable)
  • Available to over 18s earning at least £20,000 per year.

Representative Example:

Representative APR:

Standard purchase rate:

Assumed credit limit:

16.9% p.a. (variable)

16.9% p.a. (variable)

£1,200

The actual credit limit assigned to your account will vary depending on our credit assessment of you.

More on Gold card BenefitsRates and fees

Classic MasterCard

  • 3.9% p.a. (fixed) for 12 months from account opening on balance transfers (subject to 2.9% fee, minimum £3), thereafter 18.9% p.a. (variable)
  • 0% p.a (fixed) for 3 months from account opening on purchases thereafter 18.9% p.a. (variable)
  • Available to over 18s.

Representative Example:

Representative APR:

Standard purchase rate:

Assumed credit limit:

18.9% APR (variable)

18.9% p.a. (variable)

£1,200

The actual credit limit assigned to your account will vary depending on our credit assessment of you.

More on Classic MasterCard BenefitsRates and fees

Student MasterCard

  • Available to students with an Ulster Bank student account.

Representative Example:

Representative APR:

Standard purchase rate:

Assumed credit limit:

18.9% APR (variable)

18.9% p.a. (variable)

£350


To benefit from the full period of any special offer; including any introductory special offers, you must not break any terms of your credit card agreement.

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