Student credit card
The card that's designed for student life
Representative 18.9% APR (variable)
Need a little help understanding credit cards?
See our frequently asked questions and view our helpful credit cards guide to get your knowledge up to scratch.
Can I use my Royal Bank credit card abroad?
Our credit cards are widely accepted at millions of overseas retailers and ATMs, so your money is easily accessible. To use your credit card, just look for the Visa and MasterCard logos in retailers or on cash machines next time you are abroad, then use your card as normal.
Payment Scheme Exchange Rates are set by Visa and MasterCard. Please note that currencies fluctuate everyday. Royal Bank credit card transactions in a foreign currency incur a 2.75% Non-Sterling Transaction Fee - unless using our Reward Black credit card.
How could a credit card help me?
Credit cards are a form of lending.
The card limit that you get given when your application is successful is classed as ‘borrowing’.
If you spend on your credit card, try to make sure that you pay off any debt in full as soon as you receive your bill as this helps make your credit file stronger and also minimises any interest you may pay. It will show you can borrow money, pay it back in time and stay within set limits.
How can I build my credit rating?
University doesn’t last forever and you may one day need to apply to borrow some money. That may be for a mortgage, or something else.
Most lenders will look at your credit file, along with other information including your income and outgoings when you apply.
Having a good credit file means that you put yourself in a better position when approaching most borrowers, if the time comes where you need to borrow money after University.