Bank of Ireland UK Ulster Rugby Affinity Mastercard review April 2019

Bank of Ireland UK Ulster Rugby Affinity Mastercard
Bank of Ireland UK Ulster Rugby Affinity Mastercard

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

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.

Key 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.
Annual/monthly fees£0
Balance transfer fee2.98%
Foreign usage charge (EU)2.75%
Foreign usage charge (rest of world)2.75%
Cash advance fee2.5% (min. £3)
Late payment fee£12
Duplicate statement fee£5
Exceeding limit fee£12
Additional card fee£0
Dormancy fee£0
Minimum Age18
AvailabilityAvailable to new customers
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).

How does this card compare with other team-affiliated cards?

Comparison ordered by representative APR with affiliated products shown first.
Updated April 19th, 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%
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%
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%
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%
Free meet and greet signing sessions once card activated, money can't buy offers, prizes and experiences 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).

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.

*Disclaimer: The offers compared on this page are chosen from a range of products finder has access to track details from and is not representative of all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The use of terms "Best", "Top", "Cheap" including variations, are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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