Bank of Ireland UK Ulster Rugby Affinity Mastercard review November 2019
Looking for creative ways to support your rugby team? This card could be for you.
0% interest on balance transfers
|Issuer||Bank of Ireland UK|
|Balance transfers||0% for 6 months reverting to 17.9%|
|Balance transfer fee||2.98%|
|Purchases||0% for 6 months reverting to 17.9%|
|Purchases interest-free period||Up to 56 days|
|Min. credit limit||£1,000|
|Max credit limit||Not specified|
|Additional cards available||3|
|Incentive||A one-off payment to Rugby Club/school of choice plus percentage of annual turnover.|
Designed for loyal Ulster Rugby fans, this credit card gives the team a one-off contribution when you sign up as well as a small percentage of your purchases every time you shop.
Aside from being a very practical way to support your team, it’s also a decent credit card from a financial point of view. You won’t be charged any monthly or annual fees, and you can get up to 56 days of 0% interest on your purchases each billing cycle if you pay off your bill in full every month. These two features mean that, as long as you use the card responsibly, you can get monthly credit and a good flexibility with repayments without spending a single penny.
If you’re looking at a balance transfer instead, the good news is you won’t be charged any interest for the first 6 months – but don’t forget that any outstanding balance will start to accrue interest at the card’s standard rate if you don’t clear your debt by the end of the introductory period. You’ll also be charged a 2.98% balance transfer fee.
As this card is on the Mastercard network, it’s accepted in more than 40 million locations worldwide. You’ll also be able to enjoy access to Priceless Cities experiences.
How does this card compare with other team-affiliated cards?
When it comes to repayments, you can make manual repayments online or over the phone (0800 085 0444), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.
Choose from the following direct debit options for your monthly repayments:
|Minimum amount||Fixed amount||Fixed percentage||Full amount|
How to apply for the Bank of Ireland UK Ulster Rugby Affinity Mastercard
The Ulster Rugby Mastercard is provided by Bank of Ireland UK, so that’s the financial institution you need to contact for any queries concerning the card.
If you’ve compared options and decided you want to apply, you can do it online as long as you’re either an existing Bank of Ireland UK customer or a resident of Northern Ireland. If neither applies to you, you’ll need to give them a call.
Be prepared to provide both your personal and financial details, including information on your income and employment. If you have all your documents ready, the application shouldn’t take more than 10 minutes. Also, be aware that, when you apply, Bank of Ireland UK will perform a credit check and that a refusal would appear on your credit report, which could have an impact on your credit score.