With over 180 years of heritage, Ulster Bank Ireland DAC is a full-service retail and commercial bank focused on serving the needs of its 1.1 million customers in the Republic of Ireland. 

Ulster Bank leverages the scale, capabilities, and investment capacity of RBS to deliver a superior service proposition to its customers. Their business is formed of two distinct divisions: retail banking and commercial banking.

In this article, we will be discussing the Ulster Bank Classic Credit Card, and we will discuss the card’s features and benefits. Read on to learn how you can apply for it.

Ulster Bank Credit Card - How to Order the Classic Card and Enjoy 0% Fixed Interest
Image Source: Belfast Telegraph

Key Features of the Card

Why you should get this card? Well, you get 0% (fixed) interest on purchases for 3 months from account opening and 17.9% (variable) thereafter. Also 3.9% (fixed) interest on balance transfers for 12 months from account opening and 17.9% (variable) thereafter.


You can easily manage your card from anywhere in the world, set up a travel plan, or lock and unlock your card in our mobile banking app. 

You can add an additional cardholder and pay just one annual government stamp duty fee.

Balance Transfers

You can transfer up to 95% of your credit card balance to the Classic credit card (minimum €100). 

Once approved, the balance transfer option is made available. The amount of transfer depends on your credit limit. Stay within your credit limit and pay on time for this facility.

Eligibility Criteria

To apply for a credit card, you must be 18 years old or older, and you must be a resident of the Republic of Ireland. 

You cannot have been registered, currently registered, or currently applying for a personal insolvency arrangement, debt relief notice, or a debt settlement arrangement.

How to Apply for the Ulster Bank Credit Card

You will need your addresses for the last three years, income, and bank account details in order to apply. Get your personal public service number or individual tax reference number (TRN).

If you already have an Ulster Bank account and use Anytime Internet Banking, please ensure your mobile number is up to date before you apply. You can amend your number in the “Your Details” section of Anytime Internet Banking, or call the bank or visit your branch to do so.

To apply online, head to the Ulster Bank website, and simply read the documents shared by the bank. 

Then, check the acceptance button to the terms box, and click proceed. Fill up details like if you are a citizen of the U.K. for taxation purposes, then click next. Fill in details on yourself, family, income, and expenses. 

Interest Rates and Fees

The Ulster Bank Classic Credit Card is a great option if you are looking for a new credit card that has lots of great perks. Make sure to consider the rates and fees of this card, which are listed below.

  • Each month, the minimum monthly payment will be 3% of the new balance shown on your latest monthly statement, rounded down to the nearest Euro; or €5, whichever is more
  • Representative APR – 22.7%
  • Purchases APR – 0% for the first 3 months from account opening
  • Purchases APR – 17.9% after intro period
  • Balance transfer APR – 3.9% fixed for first 3 months
  • Balance transfer APR – 17.9% after intro period
  • Balance transfer fee – none
  • Assumed credit limit – €1,500 
  • Cash advance APR – within eurozone, 1.5% of the amount of the advance (or minimum charge of €2.54, no maximum charge) of the transaction value
  • Cash advance fee – outside eurozone, administration levy equivalent to 2% of the transaction, plus 1.5% handling charge (minimum charge €2.54, no maximum charge) of the transaction value
  • Government stamp duty – €30 per annum
  • Returned payment fee – €7.00
  • Late payment fee – €8.50
  • Overlimit fee – €8.50
  • Late payment fee – €8.50

Contact Info

Ulster Bank Credit Card - How to Order the Classic Card and Enjoy 0% Fixed Interest

If you would like to get in contact with an Ulster Bank representative, you can reach them by calling 1890 587 587

Their head address is Ulster Bank Group Centre, George’s Quay, Dublin 2 D02 VR98.


Make sure to consider this information if you are possibly interested in the Ulster Bank Classic Credit Card. 

To find out more about the Ulster Bank Credit Card, it is advisable to contact Ulster bank directly.

Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank’s terms and conditions before agreeing to anything.