RBS is one of the retail banking subsidiaries of the Royal Bank of Scotland Group which also includes NatWest and Ulster Bank. It has around 700 branches, based mainly in Scotland.
RBS provides a range of products and services which includes bank accounts, credit cards, mortgages, loans, savings accounts, investments and insurance deals. In terms of credit cards, the bank offers a clear choice of three; a card for students, a Private Black card for applicants on a high minimum income, and a Platinum credit card with one transparent low rate. RBS no longer offers 0% balance transfers and purchase deals.
Guide to RBS credit cards
Royal Bank of Scotland (RBS) offers a range of cards, including ones which offer rewards on your everyday spending, cards which provide a low rate on purchases and balance transfers, cards for students, and cards for applicants on a high minimum income.
The rewards offered are usually cashback, with the amount you receive dependent on where and how you shop.
You must be aged at least 18 and a UK resident to be eligible to apply for any RBS credit card.
Most RBS cards come with an annual fee, so always check the charges involved before signing up. Some cards refund the fee if you have a particular current account with the bank.
RBS credit cards are fully regulated by the city regulator the Financial Conduct Authority (FCA).
Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.
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