Clear Rate Platinum Credit Card - credit cards | Royal Bank of Scotland

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Clear Rate Platinum credit card

A simple low rate on purchases and balance transfers

Representative 11.1% APR (variable).

Annual fee applies

To apply you need to be a UK resident, aged over 18 and earn at least £10,000

A fairer credit card

One simple low rate of 6.9% p.a. (variable) on purchases and balance transfers

No balance transfer fees – just one £24 annual fee

Clear Rate Platinum credit card image

How does the Clear Rate Platinum Card work?

Whether you are transferring a balance, making purchases, or both, you'll pay one simple interest rate of 6.9% p.a. (variable). 

And, like all credit cards in the UK, you can get up to 56 days interest free credit on purchases. Just  pay your balance (and your previous month's balance) in full and on time each month.

Could you save on your interest payments? 

Use our quick calculator to get an idea of how much you could save in fees and interest.

See how much you could save

Transferring a balance to Royal Bank of Scotland

  • You can transfer balances of any amount up to 95% of your available credit limit. The minimum balance transfer amount is £100.
  • 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.
  • If you have a transferred balance on your account, interest will be charged on any purchases you make from the date they are posted to your account at your standard interest rate.

Interest rates

  • Interest on fees and charges is payable in line with our terms and conditions.
  • The actual APR you’ll receive will depend on your circumstances and you may receive higher than our standard purchase and balance transfer rate of 6.9% p.a. (variable) upon application. For some customers, the purchase and balance transfer rates will be either 11.9% p.a. (variable) or 14.9% p.a. (variable). See summary box for full details.
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Representative Example

Purchase rate


p.a. (variable)

Representative APR


APR (variable)

Assumed credit limit



Annual fee


Your credit limit may vary depending on our credit assessment of you

Summary Box (PDF, 75KB)
Sample Credit Card Agreement (PDF, 97KB)
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The Royal Bank of Scotland plc, registered in Scotland no. 90312. Registered office: 36 St Andrew Square, Edinburgh, EH2 2YB.

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