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Credit Cards RBS Credit Cards

RBS Credit Cards Review

The Royal Bank of Scotland credit cards offer a range of features to suit all types of people, so whatever you’re looking for from a credit card,  the Royal Bank of Scotland has a solution that is right for you.

As well as offering cards that feature all the benefits you would expect from the average credit cards, RBS have set up various reward schemes enabling you to choose a card that suits your needs and allows you to get the best out of your financial situation.

RBS credit cards use the latest in Chip and PIN technology to help prevent credit card fraud. By monitoring credit card transactions and usage patterns, RBS can flag any suspicious activity and notify you to make sure it is not fraudulent activity.  

You can also sign up for the free fraud text alerts which will notify you of any fraud warnings via text to your mobile phone.

RBS Platinum

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Introductory Offer
Balance Transfer Rate: 0% p.a. for 15 months
Balance Transfer Fee: 2.9%
Purchase Rate: 0% p.a. for 3 months
Typical APR
Purchases: 16.9% p.a.
Balance Transfers: 16.9% p.a.
Cash Advance: 24.9% p.a.
Standard Features
Credit Limit: £25,000
Interest Free Days: 56 days
On-Line Banking: Yes
Approval Criteria
  • YOU ARE AN EXISTING RBS CUSTOMER
  • You are at least 25 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £25,000 per year

RBS Gold

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Advice

Switch your balances within three months of opening your account, and pay 8.9% p.a. for the life of the balance transfer. RBS will also pay 2% of your remaining transferred balance into your account, every six months - helping you to reduce your balance!

Introductory Offer
Balance Transfer Rate: 8.9% p.a.For Life
Balance Transfer Fee: N/A
Purchase Rate: 8.9% p.a. for 9 months
Typical APR
Purchases: 16.9% p.a.
Balance Transfers: 16.9% p.a.
Cash Advance: 24.9% p.a.
Standard Features
Credit Limit: £20,000
Interest Free Days: 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 21 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £20,000 per year

RBS Student Card

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Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Typical APR
Purchases: 18.9% p.a.
Balance Transfers: 18.9% p.a.
Cash Advance: 27.9% p.a.
Standard Features
Credit Limit: £500
Interest Free Days: 56 days
On-Line Banking: No
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You are a student in full time education.

Credit Card Benefits

  • 10% off all computing products with HP UK
  • Free DVD rentals by post - Subscribe to any Outnow package and the second month is free.
  • £5 Firebox voucher - Save on the latest gadgets and gifts.
  • NatWest Wine Club - Look out for cardholder-only offers, as well as the occasional free gift!

RBS Classic

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Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: 4.9% p.a. for 9 months
Typical APR
Purchases: 16.9% p.a.
Balance Transfers: 16.9% p.a.
Cash Advance: 24.9% p.a.
Standard Features
Credit Limit: £10,000
Interest Free Days: 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £10,000 per year

Credit Card Reviews