A credit card that could

save you money on balance transfers

Get 0% interest on balance transfers for 23 months from account opening, thereafter standard rates apply. Each transfer must be at least £100.

You can make balance transfers anytime within the first 3 months of account opening, but please note that your 0% interest period may be shorter. Standard rates will apply to any balances transferred after the first 3 months. 

Pay 0% on all purchases made within the first 3 months. This offer is available on purchases paid off in full in the first 3 months of opening your account. After the first 3 months, standard rates will apply. 

No balance transfer fee.

No annual fee.

Please remember once your offer period ends, our credit cards offer the standard interest free period up to 56 days, as long as balances are paid in full.

Things to remember

If you carry any balance forward from a previous month (including 0% balance transfers), after your 0% purchase offer has ended, then interest will be charged on purchases from the date they are debited to your account.

What is a balance transfer?

A balance transfer is when you move a credit card balance from one credit card provider to another. This type of offer could help reduce your monthly credit card payments and/or clear your debt quicker.

How it works

If your application is successful, we'll contact your existing card issuers. We'll then transfer across what you owe on your old card onto the Balance Transfer credit card. 

You can transfer any amount, up to 95% of your available credit limit. The minimum balance transfer amount is £100. Please note, you cannot transfer a balance from another Royal Bank of Scotland Group credit card.

Want to buy something on your credit card, but not sure you've got available credit? Just fire on to the mobile app and check your balance in seconds. You can also see your transactions, make payments, report your card as lost or stolen and much more. 

Things to remember

The app is available to digital banking customers with a UK or international mobile number in specific countries.

Apple Pay is a really easy way to make a contactless payment. With all your card details stored within an Apple device, it’s simply a case of touching your Apple device on the card reader and your payment is all done. Nice and easy.

And remember, our credit cards are all contactless enabled too. So you have a couple of easy options for making payments for items of £30 or less.

Learn more about Apple Pay

Things to remember

Apple Pay is available on selected Apple devices. 

Late paying

If you’re late paying, we’ll charge you a fee of £12. That’s why setting up a Direct Debit might be a good idea – it means you’ll never be late paying again.

We're all human, so if you do miss your payment due date by just one day, we won't charge you the late payment fee.

Over your limit

If you go over your agreed limit by more than £12, we’ll charge you a fee of £12. Using our mobile app or digital banking is a really good way to make sure this never happens.

Things to remember

For full details, please see the Summary Box in the Ready to apply section below.

The most common way to pay is by Direct Debit. Once you’ve set it up, the payment will be taken automatically each month from your chosen bank account. You can choose to pay the minimum amount, a fixed amount or your full credit balance every month.

You can also make a payment in the mobile app or digital banking.

If you want to understand how quickly you could clear your balance, use our repayment calculator.

Repayment calculator

Things to remember

If you set up a Direct Debit for the minimum or fixed amount, the payment is claimed 25 calendar days from the statement date, or shortly afterwards. If you set up a Direct Debit for the full credit card balance, the payment is claimed 15 calendar days from the statement date, or shortly afterwards.