Student credit card

A credit card to help
with student life

Representative 18.9% APR (variable)

A helpful way to manage your student finances

No annual fee
Up to 56 days interest-free on purchases
Helps build a credit profile for future borrowing
Maximum credit limit of £500

Use our eligibility checker to see if you'll be accepted for this credit card before you apply. It takes around 2 minutes and it won't harm your credit rating.

Representative example

Purchase rate

p.a (variable)

Representative APR


Assumed credit limit


Annual fee


Features and benefits


No annual fee

It's good to know there's no annual fee with our Student credit card.

Build your credit rating

As long as you keep up to date with your payments, you could begin to build your credit rating. That could be helpful for when you finish your studies and head into working life.


Ways to pay

There are many convenient ways to pay using the Student credit card.

Spread the cost of your purchase

If you're buying something expensive and you don't want to use money from your bank account, a credit card might be a good way to spread the cost.

Paying your credit card

We’ve made making payments to your credit card as convenient as possible – just choose the method that suits you.

Other charges or fees

Some important things you'll need to know about fees and charges.

Mobile App Features

Lock and unlock your credit card

Get to know your spending habits

Manage your card whenever, wherever

Replace your credit card

Let us know your travel plans

Choose paperless

How to apply online

What you'll need

We'll ask where you've stayed for the last 3 years, as well as information about your bank account and the course you're doing.

How long will it take?

The application takes around 10 minutes and you'll know whether you've been accepted or not within 5 minutes.

When will I get my card?

If your application is accepted, your card should be with you in 5-7 working days.

Ready to apply?

Great. Let's get started. Are you a...

Do you have a Royal Bank Student current account?

Do you have Royal Bank digital banking?

icon-quickest-route-black Created with Sketch.
The quickest way

As we already know a bit about you, applying for a Student credit card should be pretty easy as we can pre-fill in a lot of your application.

What you'll need

Your address details for the last 3 years

Your graduation/course end date

Your digital banking log in details


Now for the important legal stuff

To apply, you must be

Aged 18+

A UK resident

A Royal Bank Student current account holder

Currently studying at university or college 

Important information

Please take some time to review, print and/or save the important information. By clicking that you’re ready to continue, you are confirming that you have been provided with, and have acknowledged our important documents.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

Are you ready to continue?

Great stuff! Looks like you’re ready to get started.

Register for digital banking

You'll need to sign up for digital banking with us in order to apply for the Student credit card online. The good news is that it normally takes only 5 minutes.

What you'll need

You'll need your sort code and account number, and your Royal Bank of Scotland debit card if you have one.

Sorry, you need a Royal Bank Student current account

Our Student credit card is for customers who already have a Student current account with us. Want to take a look?

Sorry, you need a Royal Bank Student current account

Our Student credit card is for customers who already have a Student current account with us. Want to take a look?

Something else we can help you with?