RBS credit cards

RBS became one of the country’s largest financial institutions when, in 2000, it acquired National Westminster Bank in Britain’s biggest financial takeover. So, as you would expect, RBS offer a full range of credit cards with products to suit you whether you’re a student looking to take control of your finances or a high earner wanting exclusive credit card services.
In addition, RBS also offer credit cards with interest free purchase and balance transfer periods as well as cards that earn reward points to be redeemed at a number of high street and online retailers.

NEW market leading Purchase Card

YourPoints World MasterCard Special Offer
0% on purchases for 18 months
Representative 17.9%
APR (variable)

Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).

Selected RBS credit cards available at moneysupermarket.com

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Cards listed by combined duration of 0% balance transfer offer.

	Product Name	Balance Transfer	Purchases	Rewards	Representative APR (Variable)	Product Reviews
www.rbs.co.uk	Royal Bank of Scotland Platinum	0% 22 months 3.2% fee	0% 6 months	Shopping Travel Wine	17.9% APR	Read review
	New improved online servicing Special shopping deals for cardholders No transfers from other RBS Group cards 0% interest on balance transfers for 22 months and 0% on purchases for 6 months. You will need a good credit rating and a minimum income of £10,000 per annum. Instant online decision is available. This card does not accept balance transfer from other RBS group credit cards. Once the 0% period ends you will be charged an annual percentage rate (APR) of 17.95% on the transferred balance. In order to transfer a balance at the introductory rate this must be undertaken within the first 3 months of the account opening. 0% interest on balance transfers for 22 months and 0% on purchases for 6 months. You will need a good credit rating and a minimum income of £10,000 per annum. Instant online decision is available. This card does not accept balance transfer from other RBS group credit cards. Once the 0% period ends you will be charged an annual percentage rate (APR) of 17.95% on any purchases you make. RBS Platinum card holders receive hundreds of retail offers through MasterCard as well as holiday discounts through Thomas Cook. Wine club is also available. Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is the greater of: (i) interest, default charges, 1/12 of your annual fee (if any) and 1% of your remaining balance (excluding any remaining part of the annual fee); or (ii) the amount you owe over your credit limit, less any overdue amounts from previous statements; or (iii) £5. You will be assessed on your personal circumstances and credit history to determine the APR available to you. This may result in you being offered a different rate than that quoted. This card offers 0% on balance transfers for 22 months, making it an ideal choice for those looking to move debts across from another card. The APR on the card once the introductory period is up is 17.9%, but RBS Royalties Gold account customers get 1% off the APR, bringing the rate to 16.9%. Balance transfers are limited to 95% of your available credit limit so, if your new Platinum Credit Card has a limit of £2,000, you can only switch up to £1,900. There is a 3.2% fee when you transfer a balance, with a minimum charge of £5. You must move your balance within three months of getting the card. If you already have an RBS Credit Card you can still apply but balance transfers from other Royal Bank of Scotland Group Cards, including NatWest Cards, are not permitted. The card also offers 0% on purchases for the first six months, after the introductory interest-free period is up, you will be charged an APR of 17.95% for any purchases you make. You can use the card to get up to £750 each day from cash machines worldwide, subject to a 3% handling fee. However, you should avoid doing this wherever possible, as interest on cash withdrawals is charged at a steep 27.95%. To apply for this card you should have an annual income of at least £10,000 and be aged 18 or over.
	Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).
www.rbs.co.uk	Royal Bank of Scotland YourPoints World MasterCard Special Offer	17.95% - 0% fee	0% 18 months	Rewards Vouchers Travel	17.9% APR	Read review
	2,500 bonus RBS YourPoints Exchange points for travel and shopping You must have an income over £10,000 There is no introductory balance transfer offer on this product and any transfers will incur 17.95% interest rate. The interest rate charged on purchases after the introductory period will be 17.95% APR. You will receive 2,500 bonus points when you take out a new card, and every year thereafter. You will also earn points every time you make a purchase with your card. You can exchange the points you earn for a choice of rewards from flights and holidays, shopping vouchers, spa experiences and theatre nights. You can use your points at selected online and high street stores including ebookers, easyJet, M&S, Boots, Amazon and Harvey Nichols, refer to provider for full details. Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. The minimum monthly repayment on this card is the greater of: (i) interest, default charges, 1/12 of your annual fee (if any) and 1% of your remaining balance (excluding any remaining part of the annual fee); or (ii) the amount you owe over your credit limit less any overdue amounts from previous statements; or (iii) £5. This is the longest ever introductory 0% period offered by a credit card provider, making it the current market-leading card for purchases. Cardholders pay no interest on their spending for the first 18 months. After that the card has a representative annual percentage rate (APR) of 17.9%, so you will need to make sure you have repaid what you owe in full before the introductory period ends. The card also comes with other perks. You get 2,500 YourPoints if your application is successful. That’s enough points every year for a £10 shopping voucher to spend at M&S, Boots or amazon.co.uk, with 500 points left over to put towards your next reward. You’ll get a further 2,500 points on the anniversary of you getting the card every year after, plus you’ll earn 1 YourPoint for every £1 spent on the card. You must be a UK resident, aged 18 or over and have a minimum income of £10,000 to apply for the card.
	Representative Example: If you spend £1,200 at a purchase interest rate of 17.95% (variable) your Representative APR will be 17.9% (variable).

RBS credit cards

As well as being one of Britain’s largest financial institutions, RBS is also one of the country’s oldest with over three centuries of banking experience and so are well placed to offer a full range of financial products.

RBS provide a variety of bank accounts, credit cards, mortgages, loans and savings products as well as a range of insurance services including home, car, life and travel insurance. Furthermore, as part of their insurance services, RBS also provide cover for essential contents and loss of income.

Their range of credit cards are designed for all walks of life, from students taking their first steps in the world of personal finance to financial high flyers.

RBS offer student credit cards with no annual fee and money off incentives, Private credit cards for those that earn over £100,000 per year as well credit cards with reward points and interest free periods on purchases and balance transfers.

Acceptance for these credit card deals will depend upon a combination of your income and credit history and you should consider how you plan to use the card before applying. However, it is important to note that you cannot transfer a balance on to an RBS credit card, from a NatWest or Mint credit card as these are both part of the RBS stable.

Glossary of terms

APR

This stands for Annual Percentage Rate. Any firm that lends money is required by law to quote the APR. Introductory rates do not include arrangement fees you may be charged and also don’t reflect any higher rate of interest that your borrowings will ultimately revert to. The APR takes into account the interest on a loan plus and additional charges making it easier for you to compare products. In general, the lower the APR the better the deal.

Balance Transfer

Balance transfer rates are applied to existing card debt that is being moved from one issuer to another or a consolidation of other debts. These rates tend to be lower than standard rates and apply to the debt transferred or consolidated for a specified term or until it is repaid in full.

Credit Card

Credit cards are a form of borrowing used to purchase goods and services, to obtain cash advances and for consolidating debt.

Direct Debit

This allows an organisation to take money directly from a persons bank account

Minimum payment

The amount you must pay each month to keep your account in order

Interest-free period

The time between when you buy something on the card and the date when you must pay your monthly bill. This can be 50 days or more and is interest-free. So if you settle your bill in full every month, it's free borrowing.

Promotional Rate

A rate that is applied to your account until a given expiry date. Thereafter it will revert to the rate applicable to your account at that time.

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NEW market leading Purchase Card

Selected RBS credit cards available at moneysupermarket.com

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RBS credit cards

Glossary of terms

APR

Balance Transfer

Credit Card

Direct Debit

Minimum payment

Interest-free period

Promotional Rate

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