• Interest offer - 3.9% p.a. on all your balance transfers for your first 12 months (subject to a 2.9% fee, minimum £3).
• Interest offer - 0% p.a. on all your purchases for your first 6 months from date account opened.
• Ulster Bank YourPointsis a complimentary loyalty programme that rewards you every time you spend on your Ulster Bank Credit Card - giving you 1 Ulster Bank YourPoint for every £1 spent on purchases.
  
  We have a vast selection of lifestyle rewards that are designed to suit your needs - choose from flights, hotels, holidays, car hire, shopping vouchers and fine wines.
  
  It's easy to register. Once you have received your Ulster Bank Credit Card just visit www.ulsterbank.co.uk/yourpoints or call us on 0845 070 1277 and have your credit card account details handy.
• Rates
  • typical 16.9% APR (variable) on balance transfers and purchases.
  • typical 22.5% p.a on cash advances from the date your account is opened.
• Flexible credit limits - Minimum credit limit of £3,000. After 6 months you can ask us to review your credit limit (subject to approval).
• No annual fee.
• Up to 56 days' interest-free credit on purchases. If you pay the balance in full and on time and have paid the previous month's balance in full and on time.
• Free purchase protection (PDF) – guards your purchases against theft, loss or accidental damage for 100 days from the date of purchase if you pay with your Gold card. (Purchases must be worth more than £50 and not covered by any other insurance).
• Free extended warranty (PDF) – by purchasing your appliance with your Gold card an extra year's manufacturer's cover is provided at no extra cost. It also includes breakdown as a result of accidental damage from the date of registration. Register up to six appliances per year. Information on registration will be sent to you with your card.

It is your responsibility to make sure that the policies are right for you.