Access your benefits
You could enjoy the use of our Private Black Credit Card, as well as other banking offers. View, register or use your benefits.
Icon expand Private Black Credit Card
Our Private Black Credit Card is available to Black Account customers only. As a Private Black Credit Card holder, you’ll earn 1.25 RBS YourPoints for every £1 you spend on qualifying purchases and enjoy a range of offers. These offers are constantly changing but currently include:
- Special access to many major sporting and cultural events
- Partner offers such as sports car hire services and spa breaks
- Golfing breaks and other holiday offers
Representative 14.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 14.9% p.a. (variable)
Your actual credit limit will depend on our credit assessment of you.
Icon expand Overdrafts
As a Black Account customer you could get;
- A £500 interest free overdraft (you will pay interest on the entire balance if you go over £500)
- A preferential interest rate on arranged overdrafts over £500
- No arranged overdraft usage fee
Overdrafts are only available to over 18’s and are subject to eligibility.
What other people are asking us
Do I earn YourPoints with the Private Black Credit Card?
Yes. As a Private Black Credit Card holder, you'll earn 1.25 RBS YourPoints for every £1 you spend on qualifying purchases and enjoy a range of offers.
How many RBS YourPoints do I have?
Check your balance here.
How do I get a Private Black Credit Card?
You need to apply for a Private Black Credit Card.
Protecting your money
With our account monitoring and online fraud protection promise, it's no wonder our customers voted us the UKs most trusted mainstream bank for 2013..
Your eligible deposits with RBS are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit protection scheme. This limit is applied to the total of any deposits you have with the following: Royal Bank of Scotland, Direct Line, the One Account, Child & Co, Drummonds and Holt's. Any total deposits you hold above the £85,000 limit between these brands are not covered.