Compare Ulster Bank credit cards for January 2021

Owned by The Royal Bank of Scotland Group, Ulster Bank is one of the traditional “Big Four” Irish and Northern Irish banks. With 174 branches across Ireland and Northern Ireland, online account management and customer advisors on hand 24-hours a day, you can manage your money from anywhere at any time.

Ulster Bank credit cards are on the Mastercard network, so there’s no need to worry about card rejection – they can be used at more than 35 million merchants and ATMs worldwide.

Compare Ulster Bank credit cards

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Name	Product	Purchases	Balance transfers	Annual/monthly fees	Rep. APR	Incentive	Link
Ulster Bank Credit Card Mastercard		9.9%	6.9% (0% fee)	£0	9.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).	More Info	Compare	loading Fetching your data...
Ulster Bank Student Credit Card		18.94%	18.9% (0% fee)	£0	18.9% (variable)	Representative example: When you spend £350 at a purchase rate of 18.94% (variable) p.a., your representative rate is 18.9% APR (variable).	More Info	Compare	loading Fetching your data...
Ulster Bank Longer Balance Transfer Credit Card Mastercard		0% for 3 months reverting to 19.9%	0% for 23 months (1.99% fee)	£0	19.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	More Info	Compare	loading Fetching your data...
Ulster Bank Balance Transfer Credit Card Mastercard		0% for 3 months reverting to 19.9%	0% for 18 months (0.49% fee)	£0	19.9% (variable)	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	More Info	Compare	loading Fetching your data...

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What types of card does Ulster Bank offer?

• Balanced cards

  Designed to be straightforward but versatile, “balanced” cards usually offer a single low rate on purchases and balance transfers. So, if you hold a balance on another card with a high rate of interest, you can bring it across to this card and enjoy a low rate on the existing debt, and also on future purchases. Unlike the headline-grabbing cards of its rivals, which offer a rate of 0% for a set number of months after which a much higher rate kicks in, Ulster Bank’s card offers a low rate, indefinitely (although it’s not fixed).
  Learn more about low rate cards

• Student cards

  The Ulster Bank Student credit card comes with a manageable credit limit to help you make the most of student life without building up extra debt. If you pay off your balance in full each month, you could build up a good credit rating. This card offers a longer than usual 0% rate on purchases. It also has no annual fee.
  Learn more about student credit cards

What benefits can I get with an Ulster Bank credit card?

• It’s accepted widely. Ulster Bank credit cards are issued by Mastercard, one of the biggest credit card providers in the world.
• Online banking. Manage all of your money in one place, 24/7, using the Ulster Bank website or app. Advisors are also on hand around the clock to help you over the phone.
• Additional cardholder. You can add your spouse, partner or close friend to your credit card through the internet banking service. Additional cardholders must be aged 18 or over.
• Fraud protection. If there are any suspicious transactions on your card, Ulster Bank will call you to make sure everything is ok. If your card is lost or stolen, you won’t have to pay for any misuse, as long as you notify the bank as soon as possible.

Applying for an Ulster Bank credit card

It will take about 15 minutes to fill in the online application form. You will need to provide details about your address/addresses for the past 3 years, your bank account and any balance transfers you wish to make. Once submitted, it can take up to 3 weeks to process your application. If you are approved, your new credit card should be with you within 5-7 working days.

Eligibility requirements

Why might you not be approved?

Typically, you won’t be approved for a credit card if you’ve got a history of bad debt or don’t meet the above eligibility criteria. If you’ve got an outstanding County Court Judgement (CCJ) or are on an Individual Voluntary Arrangement (IVA) it is also likely you will not be approved. Equally, if you do not have a credit record at all, you may be turned down. It is advisable to go to Experian, or another credit rating agency, to ask for a credit report.

Frequently asked questions

• How long does an online application take?

  It normally takes about 15 minutes to complete an online application. To ensure you can complete the form accurately, you’ll need to know:

  • Your address details for the last three years
  • Your income and employment details
  • Your bank account number and sort code

• How do I transfer a balance to an Ulster Bank credit card?

  You can request a balance transfer as part of your application. Alternatively, you can call the customer helpline once your application has been approved. You can make any number of balance transfers at any time as long as you do not exceed 95% of your available credit limit (you must transfer a minimum of £100).

  It can take up to three weeks to process your application and for payment to reach your other accounts. Therefore, you should make payments to your other cards to keep them up to date and avoid any penalty fees.

• How do I change my credit card limit?

  You can do this through internet banking by selecting ‘Cards’ from the main menu. In the ‘Manage your personal credit card’ section select ‘Manage your credit card limit.’ Add your annual income, requested credit limit and the last 5 digits of your Ulster Bank credit card. Finally, select ‘submit.’ Alternatively, you can call a customer advisor.

• When will I get my card?

  Once your application has been approved, your new card should be with you in 5-7 working days.