Lady reclining on a sofa reading a broadsheet newspaper

Private Black Credit Card

Designed especially for our Black Account customers

To apply you must be a UK resident aged 18 or over and have a RBS Black Account. 

The Private Black Credit Card is one of a range of benefits of the RBS Black Account. The RBS Black Account costs £24 a month. To apply for a Black Account you must have a sole income of at least £100,000 paid into your RBS account, or minimum outstanding mortgage borrowings with us of £300,000, or savings and investments of at least £100,000 held with us.

Private Black Credit Card

How it works

You could make purchases and pay 14.94% APR (variable) in interest. And, if you used the card to transfer a balance from another credit card, you'd only be charged 14.9% p.a. (variable) too.  

Like all credit cards in the UK, you can get up to 56 days interest free credit on purchases if you pay your balance (and your previous month's balance) in full and on time each month.

The Private Black Credit Card is one of a range of benefits for our Black Account holders. The RBS Black Account has a monthly account fee of £24. 

Transferring a balance to RBS?

You can transfer balances of any amount up to 95% of your available credit limit. The minimum balance transfer amount is £100.

It can take up to 3 weeks to process your application and for payment to reach your other accounts so please make payments to your other cards to keep them up to date and avoid any penalty fees.

If you have a transferred balance on your account, interest will be charged on any purchases you make from the date they are posted to your account at your standard interest rate.

Other information

To apply you must be a UK resident aged 18 or over and have a RBS Black Account.

Interest on fees and charges is payable in line with our terms and conditions.

The Private Black Credit Card is one of a range of benefits of the RBS Black Account.

Representative Example
Representative APR:

14.9% APR

Purchase rate:

14.94% p.a. (variable)

Assumed credit limit:


Your credit limit will vary depending on our credit assessment of you. 

Summary Box

Sample terms & conditions


Apply online now Check if you're likely to be approved
Photo: approval indicator

Approval Indicator

Check your eligibility

Simply enter a few details into our Approval Indicator tool and we'll show you how likely you are to be accepted for a RBS credit card.

Get started

RBS YourPoints

Redeem points for travel, shopping & more...

The RBS YourPoints website is the gateway to a huge range of fabulous rewards from partners like Laithwaite's Wine, eBookers and M&S. You can also find out how many points you've built up or how many you need, in order to get the reward that you like the most.

Amazon house-of-fraser-logo-yourpoints-partner
easyJet-logo-yourpoints-partner B&Q logo
Boots-logo-yourpoints-partner ebookers logo
Sainsbury's logo laithwaites-wine-logo-yourpoints-partner
VUE buyagift logo
Currys PC World logo
Redeem YourPoints now

RBS Private Black Credit Card

Relax, you're in control

Stay in control

You can manage your card with Credit Card Online Services. If you have a current account with us, you can also manage your card and current accounts together within Digital Banking or on our Mobile Banking app.


Set up alerts to remind you when your next payment is due or to let you know when you are nearing your credit limit.

RBS Mobile App is available on selected smartphones, to personal current account customers with a debit card, Digital Banking and UK mobile number.

Digital Banking available to those aged 11 and over who have a RBS account

RBS Private Black Credit Card

Ready to apply?

Apply now Choose a different card
Set Tab for lightbox