The Royal Bank Credit Card - credit cards | Royal Bank of Scotland

Clear Rate Platinum credit card

The Royal Bank Credit Card

The perfect travel companion at home and abroad

Representative 9.9% APR (variable)

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To apply, you must be a UK resident, 18+ and earn at least £10K per year

Why this credit card?


No foreign transaction fees

No annual fee

Low rates on purchases and balance transfers

More about this card

No foreign transaction fees


You won't pay any additional fees on transactions abroad and there's nothing added on top of the MasterCard exchange rate. Please note you'll still pay fees on ATM and cash advance transactions abroad.


Low rates on purchases and balance transfers


Whether you're transferring a balance or making a purchase, you might pay a low interest rate of 9.9% p.a. (variable) on purchases and 6.9% p.a. (variable) on balance transfers.  If you're paying a higher rate on your existing credit card, you could save money by transferring your balance to this credit card.


Our interest calculator will show you how much money you might be able to save.


Use our interest calculator


Remember, 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. It’s a feature of all credit cards in the UK.


No balance transfer fees


We don’t charge you a balance transfer fee.


You can transfer balances of at least £100, up to 95% of your available credit limit. Please note we can’t accept transfers from another Royal Bank of Scotland Group credit card.


Representative Example

Purchase rate


p.a. (variable)

Representative APR



Assumed credit limit


Annual fee


  What do these numbers mean?

Your actual credit limit and APR may vary depending on our credit assessment of you.

You may receive higher than our standard purchase rate of 9.9% p.a. (variable) up to 18.9% p.a. (variable) and higher than our balance transfer rate of 6.9% p.a. (variable) up to 14.9% p.a. (variable) upon application. Interest on fees and charges is payable in line with our terms and conditions. See the summary box document for more details.

Ready to apply?

The application should take around 10 minutes.

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