Existing customers

Manage your
credit card

Coronavirus support

For our Royal Bank credit card customers, we won’t charge a late fee for any credit card payments due from 1st April until 30th June 2020. You don’t need to get in touch, we’ll do this automatically.

  • You should still try to make at least your minimum monthly payment on time to avoid affecting your ability to get credit in the future.

If you need to apply for an increased credit card limit, you can find out how to change your limit here


Everyday management


Pay by direct debit

Paying by Direct Debit is easy and convenient, once set up your payment will be automatically taken each month to pay your credit card statement bill.

One off payments

You can make one off payments yourself, it's just as easy to do. There's a number of ways you can pay your credit card.

Fees & Charges

Manage your fees and charges

You can get the most out of your credit card by keeping on top of your monthly payments. Otherwise, you could end up paying fees and charges.


View your balance and available credit

View your credit card balance and available credit whenever you want and get the most up to date view with Digital Banking or via the Mobile App.

Review your PDF statement transactions

Review, save and print up to 7 years worth of your credit card PDF statement transactions at your own convenience securely with Digital Banking.

Check your transactions

Check what transactions you've made on your credit card and search through up to the last 4 months of your spending with Digital Banking or via the Mobile App.

Plan ahead to repay your balance

Credit card repayment calculator

Find out how much faster you could clear your existing credit card balance by fixing your payments, instead of paying the minimum amount.

Fancy a change?

If you're looking for a credit card that matches your lifestyle and spending habits, you might want to consider choosing from our full range of credit cards.

You can see our range of credit cards by following the 'compare our credit cards' link below.

A second credit card could help you manage your spending

Keep balances separate by using a second credit card for a specific purchase, event or type of spending.

It's important to remember that a second credit card will mean you could have two balances to pay off every month, including accrued interest. There may also be two annual fees to pay, if you choose a card with an annual fee.

Eligibility applies. You cannot open a second credit card of the same type as your current card.

Ways of managing your credit card

App available to Digital Banking customers with a UK or international mobile number in specific countries. Digital Banking is available to those aged 11 and over with an eligible Royal Bank of Scotland account.

5 reasons to download our app

  • If you have misplaced your card, you can lock and unlock it on the app
  • Take control of your spend by locking/ unlocking certain transaction types or setting a daily/ monthly budget.
  • Set up a direct debit, pay your credit card or view your last 3 years statements.
  • Request a pin reminder or unblock your pin
  • Register your travel plans

Manage your credit card simply and safely with Digital Banking

  • Set up and manage regular payments, including paying your credit card
  • View your balance and transactions
  • Register your travel plans
  • Adjust your credit limit
  • View up to 7 years of credit card statements

Something else we can help you with?