The Ulster Bank Credit Card is issued on the Mastercard network so it's accepted at more than 50 million merchant locations across more than 210 countries and territories.
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Ulster Bank's card
Other popular low rate deals
Table: sorted by representative APR, promoted deals first
Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.
You can make manual repayments through Ulster Bank's app by logging in to your online banking or over the phone (0800 046 6486). Alternatively, you may wish to set up a direct debit.
A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (Max £12 Waived until end of 2023) 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:
How to apply
If you've compared cards and want to apply, completing the secure online application form takes about 10 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you'll need to make the process as straightforward as possible.
Frequently asked questions
How long does it take to receive the card?
You'll know whether or not your application has been approved within 5 minutes of submission. As long as it's approved, Ulster Bank states your shiny new card will be with you in 5-7 working days.
Do I need to be an existing Ulster Bank customer?
No, and if you have card debt elsewhere, you may decide to apply for a balance transfer.
Will I pay fees on cash withdrawals overseas?
Yes. While Ulster Bank doesn't charge a fee for non-sterling transactions using this card, withdrawing cash abroad will incur a fee, (and the ATM owner may add its own fee on top too). Find out more about using a credit card overseas.
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 card. Finally, select "submit". Alternatively, you can call a customer advisor (0800 046 6486).
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Our experts score low rate credit cards to determine their value against similar products on the market. We look at a number of important factors, like exactly how low the low rate is, any perks/benefits, plus the potential costs involved with running the card both in the short and longer term.
You can read more about our scoring criteria on our credit card methodology page.
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. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.