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.

You can create an Instalment Plan directly in the mobile app to pay off eligible credit card purchases between £300 and £3000 inclusive. Any eligible purchases will show in your transaction list.

With an Instalment Plan, you can:

• Repay an eligible purchase over a term which best suits your needs. This can be from 6 to 24 months.
• Pay a set fee each month instead of interest, which could be cheaper than your standard credit card interest rate.
• Budget for how much you’ll pay each month with no hidden costs.

Learn more about Instalment Plans and how to create one

What you should know

• Instalment Plans can be set up only through our mobile app, and only if you are eligible for this offer.
• You can have up to four Instalment Plans at one time. You’ll be able to set up one Instalment Plan on each working day.
• You can set up, track and manage your plan in the mobile app.
• The monthly amount and the fee for the plan will vary dependant on the purchase amount and term of the plan.
• You will not pay interest on any balance that is on a plan but you will pay a set monthly fee over the selected term. You will pay the same amount each month for the duration of the plan.
• An Instalment Plan is part of your existing credit limit and it does not free up additional funds when a purchase is moved to an Instalment Plan.
• Your transaction needs to be either on your latest statement or applied to your account since your last statement was produced.

Apple Pay and Google Pay™ allow you to make a contactless payment in shops, because all your card details are securely stored within your device. To make a payment, simply touch your device to the card reader, and you’re ready to go.

Learn more about Apple Pay
Learn more about Google Pay

You can also send money securely with Paym, all you need is a telephone number and our mobile banking app.

Remember, all our credit cards are contactless too. It’s a super quick and hassle-free way to pay for items of £30 or less.

What you should know

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.

We want to make managing your credit card simple and safe. If you have misplaced your credit card, you can lock and unlock it in the app. You can also use the app to request a PIN reminder or unblock your PIN. This feature applies to Mastercard credit cards only.

Setting a daily or monthly budget could help you keep an eye your credit card spending and manage your money. You can also use the app to lock and unlock certain transaction types. We’re all human, so if you accidentally go over budget, we’ll send you a notification as a wee reminder.

Want to make a purchase on your card but you’re not sure you’ve got available credit? Not to worry, you can use the mobile app to check your balance in seconds. You can also review all your transactions, set up a direct debit, pay off your balance, manage your credit limit and much more.

Need a replacement card? No bother. If you have an iPhone, you can order a replacement for a lost or damaged credit card using the app. Select your credit card, tap ‘Manage my card’, then tap ‘Report lost, stolen or damaged’.

If you’re off globe-trotting, avoid those unexpected hitches by registering your travel plans through the app. This way, your card transactions are less likely to be flagged as suspicious or blocked while you’re abroad. You can create one travel plan at a time. Each travel plan can include up to seven countries and last for 90 days.

Receiving your statements electronically not only means you’ll have less post cluttering your home, it means you’ll be helping reduce paper waste too. You can view up to 24 months of statements through the app and we’ll even send you an alert when they’re ready to view.