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Helpline lo-call 1890 432 432

Product details info
Provider:Ulster Bank
Product name:Gold MasterCard
Card type:Mastercard
Website:Ulster Bank
Using your credit card abroad info
Non-euro cash withdrawals as % of transaction value:2% plus 1.5% (minimum €2.54) administration fee
Non-euro purchases fee as % of transaction value:2%

Rates info
Annual (nominal) interest rate charged on cash withdrawals:19.3%
Annual (nominal) interest rate charged on purchases:15.76%
APR charged on purchases:19.2%Footnote 2 v
Fees & charges info
Android Pay:€0.00
Apple Pay:€0.00
Cash advance fee as % of transaction value:1.5% (minimum €2.54)
Contactless payments:€0.00
Duplicate statement fee:€0.00
Late payment fee:€8.50
Over credit card limit fee:€8.50
Replacement of lost/stolen card:€0.00
Replacement of PIN:€0.00
Unpaid item fee:€7.00

Introductory rate offers info
Introductory rate on balance transferred:3.9% for 12 months
Introductory rate on new purchases:0% for 6 monthsFootnote 1 v
Terms and conditions info
Maximum interest-free period on cash:0 days
Maximum interest-free period on purchases:56 days
Minimum qualifying salary:€30,000

Benefits info
Android Pay:Yes
Apple Pay:Yes
Contactless Payments:Yes


  1. An introductory APR of 0% applies to new purchases for 6 months after which the standard APR on purchases applies. ^
  2. The APR for this card is 19.2%. This APR is based on a credit limit of €3,000 and Government stamp duty of €30. APRs for the other cards listed in this cost comparison are based on a credit limit of €1500 and Government stamp duty of €30, so they are not directly comparable. ^

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All Information correct as at 23 May 2017

Personal Finance Queries, Competition and Consumer Protection Commission, 4 Harcourt Road, Dublin 2.
Lo-call 1890 432 432 (Opening hours from 9am to 6pm Monday to Friday)

Consumer Help