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Ulster Bank Black MasterCard

0.00%* purchases 0.00%** balance transfers 16.10% typical APR

* 0.0% on new purchases for 6 months. ** 0.0% on balance transfers for 12 months.

About the Credit Card

    • Must be a Republic of Ireland resident
    • Must be aged 18+
    • Minimum salary of €40k p.a.
    • Customers can be UB banked or non-banked.
  • The minimum age for applicants is 18 years.
  • A minimum annual income of €40,000 is required.
  • The maximum credit limit available is assigned according to applicant's credit status.
  • You may transfer a balance from a different institution's credit card (subject to status and approval). Interest on balance transfers is charged at 0.00% for 12 months.
  • If the outstanding balance on the monthly statement is less than , the cardholder must pay it off by the date shown on their statement. If the outstanding monthly balance is or more, they must pay a minimum of or of the balance, whichever is greater.
  • Typical APR of 16.1% is based on purchases to the full extent of a credit limit of €3,000 plus the Government stamp duty charge of €30 per account per year.

  • Apple Pay & Google Pay
  • Card locking available
  • No foreign transaction fees


Ulster Bank Black MasterCard

16.10% Typical APR

Rates & Features


Type Rate/duration
Typical APR 16.10%
Purchases 0.00% for 6 months. 16.10% annual rate.
Balance transfer 0.00% for 12 months. 16.10% annual rate.
Cash advance 21.10% annual rate. A handling fee of 1.50% will be charged on the amount of any cash advance subject to a minimum of €2.54 per transaction.


  • 0.00% on purchases for 6 months
  • 0.00% on balance transfers for 12 months
  • Online account access

Ulster Bank Black MasterCard

16.10% Typical APR


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