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Student Credit Card

The helpful card for undergraduates

To apply you need to be over 18, a UK resident and hold a RBS Student Current Account
RBS Student Credit Card

The Student Credit Card offers the following:

Online and mobile management, plus email/SMS reminders

Manage your card via our dedicated Credit Card Online Services platform. Alternatively, use Digital Banking or our mobile app and manage your credit card alongside your RBS Student Current Account. Never miss a payment again.

A maximum credit limit of £500

You can also withdraw up to £250 a day from cash machines worldwide, depending on your credit limit. There's a 3% handling fee (minimum £3) for cash advances.

18.95% p.a. (variable) on balance transfers from account opening

You can transfer balances of any amount up to 95% of your available credit limit, but we can't accept transfers from other Royal Bank of Scotland Group credit cards. 

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.

18.95% p.a. (variable) on purchases from account opening

 

A few things you need to know

Always make sure you pay on time and stay within your credit limit.

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

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. Note that an interest free period on purchases is a feature of all credit cards in the UK.

Representative Example
Representative APR:

18.9% APR
(variable)

Purchase rate:

18.9% p.a. (variable)

Assumed credit limit:

£500

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

Student Credit Card Summary Box (PDF, 67KB)
Sample Terms & Conditions (PDF, 73KB)
Apply now Check if you're likely to be approved

Staying on top of things

Managing your Student Credit Card

Receive alerts

Alerts and reminders

Know where you stand

Payment due date reminder

If you set up a payment reminder on Credit Card Online Services, we'll send you a monthly SMS alert and/or an email. This should give you plenty of time to make a payment to your credit card before your payment due date and avoid any late payment fees.

 

Credit limit alert

You can set up an alert to tell you when you're nearing your credit limit to help you avoid going over it and receiving an Over Limit Fee. To sign up for both of these alerts, log into Credit Card Online Services. If you have not registered for this service, then sign up here.

As well as being able to sign up for text and email alerts, you can also pay your bills, request a balance transfer and sign up for paperless statements.

Register or login

Manage your account online

Manage your RBS credit card

Managing your credit card online

We offer two ways to manage your credit card online. We recommend signing up for both RBS Digital Banking (where you can manage your cards & RBS bank accounts together) and Credit Card Online Services.

Feature Digital Banking Credit Card Online Services
Balances - get up to date balances and pay your bill yes
yes
Switch off paper statements - save paper and switch to online statements   yes
View transactions online - view earlier transactions 4 months 18 months of PDF statements
Free email/text alerts - reminders of your balance and when payments are due   yes
Balance transfers - transfer balances from other credit/store cards   yes
Manage personal details - change your address and contact details online   yes

 

 

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Credit Cards

Frequently asked questions

Any questions?

Student Credit Card

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