Bank of Ireland UK Ulster Rugby Affinity Mastercard review September 2019

Looking for creative ways to support your rugby team? This card could be for you.

Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).

6 months

0% interest on balance transfers

6 months

0% interest on purchases

17.9%

Representative APR

£0

Account fee

Details

IssuerBank of Ireland UK
NetworkMastercard
Annual/monthly fees£0
Balance transfers0% for 6 months reverting to 17.9%
Balance transfer fee2.98%
Purchases0% for 6 months reverting to 17.9%
Purchases interest-free periodUp to 56 days
Cash advances24.9%
Min. credit limit£1,000
Max credit limitNot specified
Additional cards available3
IncentiveA 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?

Table: sorted by representative APR, promoted deals first
Updated September 17th, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
0% for 6 months reverting to 17.9%
0% for 6 months reverting to 17.9%
£0
17.9% p.a. (variable)
A one-off payment to Rugby Club/school of choice plus percentage of annual turnover.
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).
18.9%
0% for 6 months reverting to 18.9%
£0
18.9% p.a. (variable)
Free matchday programme offer after the first 3 spends, exclusive monthly prize draws to win hospitality box tickets, signed merchandise and more.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
18.9%
0% for 6 months reverting to 18.9%
£0
18.9% p.a. (variable)
10% discount in the Owls Megastore, 2 for 1 match ticket after the first three spends on your Owls Mastercard, away ticket priority and 0% Season Ticket Offer - details throughout the season..
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
18.9%
0% for 6 months reverting to 18.9%
£0
18.9% p.a. (variable)
Free meet and greet signing sessions once card activated, 0% Season Ticket Offer - details throughout the season.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).

Compare up to 4 providers

Repayment options

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.

We exist to help you find better. The offers we've compared on this page are from a range of products whose details we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations of these) aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When you make major financial decisions, it's wise to consider getting independent financial advice. Always consider your own financial circumstances when you compare products so you get what's right for you.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site