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Useful information

Credit Cards

From 15th September 2014, the Extended Warranty and Purchase Protection benefits will no longer be avaliable on the Gold Card.

Gold card

  • 0.00% p.a. (fixed) on balance transfers - for 12 months from account opening, thereafter 16.95% p.a. (variable).
  • 0.00% p.a (fixed) on purchases - for 6 months from account opening, thereafter 16.95% p.a. (variable).
  • 2.9% Balance transfer fee - (minimum 3)
  • Transfer up to a limit of 95% of your credit limit - so, if your new Gold MasterCard has a limit of 3,000, you could switch up to 2,850.
  • Free purchase protection
  • Free extended warranty
  • Available to over 18s earning at least 20,000 per year.

Representative Example:

Representative 16.9% APR (variable)
based on an assumed Credit Limit of 1,200.

Standard interest rate for purchases:
16.95% p.a. (variable)

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

Added Extras

As an Ulster Bank credit card holder you can access exclusive benefits including:

MasterCard Customers
Access even more benefits by logging onto MasterCard's website

Classic MasterCard

  • 3.95% p.a (fixed) on balance transfers - for 12 months from account opening, thereafter 18.94% p.a. (variable).
  • 0.00% p.a (fixed) interest on purchases - for three months from account opening, thereafter 18.94% p.a. (variable).
  • 2.9% Balance transfer fee - (minimum 3)
  • Transfer up to a limit of 95% of your credit limit - so, if your new Classic MasterCard has a limit of 2,000, you could switch up to 1,900.
  • Available to over 18s

Representative Example:

Representative 18.9% APR (variable)
based on an assumed Credit Limit of 1,200.

Standard interest rate for purchases:
18.94% p.a. (variable)

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

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.

Allocation of Payments: If you do not pay off your balance in full, payments we receive will be allocated to pay the most expensive debt first. See General Condition 6 of your Credit Card Agreement for full details.