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

18.9%
p.a (variable)

Representative APR

18.9%
(variable)

Assumed credit limit

£500

Annual fee

£0

The representative example is a handy wee tool that banks use to help you compare the cost of borrowing in one standard format.

 

purchase rate is the interest rate charged when buying most goods or services on a credit card. If you pay off the full card balance each month, you will not be charged interest on purchases.

The Representative APR is the annual percentage rate that’s used to indicate the full cost of borrowing from us. This includes any up-front fees spread over a year.

The assumed credit limit is a guide limit we need to quote when we’re explaining the typical costs within the representative example. We have to use £500 - the maximum limit on the Student credit card - but the actual credit limit you receive will depend on your circumstances.

The annual fee simply confirms the fee you’ll pay annually as part of your agreement with us. With our Student credit card, there's no annual fee. Nice and simple.

We treat all applications on an individual basis, so the purchase rate and APR you get is determined by your own circumstances and credit history. Most successful applicants will receive the Representative APR displayed.

The detail...

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.

Features

Manage your card 24/7

From Jedburgh to John O'Groats, you can manage your credit card on the move with our app.

Manage your card 24/7

Want to buy something on your credit card, but not sure you've got available credit? Just fire on to the mobile app and check your balance in seconds. You can also see your transactions, make payments, report your card as lost or stolen and much more. 

Things to remember

The app is available to digital banking customers with a UK or international mobile number in specific countries.

Apple Pay and Contactless

A couple of nice and easy ways to pay with using a Student credit card.

Apple Pay and Contactless

Apple Pay is a really easy way to make a contactless payment. With all your card details are stored within an Apple device, it’s simply a case of touching your Apple device on the card reader and your payment is all done. Nice and easy.

And remember, our credit cards are all contactless enabled too. So you have a couple of easy options for making payments for items of £30 or less.

Learn more about Apple Pay

Things to remember

Apple Pay is available on selected Apple devices.

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.

Spread the cost of your purchase

Like most UK credit cards, our range of cards offer 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. That means if you want to make a big purchase, for example plane tickets or a lap top, a credit card could be a good way to help you buy now and spread the cost. 

Costs

Paying your credit card

There are a number of convenient ways you can make a payment to your card.

Paying your credit card

The most common way to pay is by Direct Debit. We'll set this up as part of your application, and 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.

Other charges or fees

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

Other charges or fees

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.

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?

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 course details

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

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.

What you'll need

Your address details for the last 3 years

Your course details

Your bank account details

Now for the important legal stuff

To apply, you must be

Aged 18+

A UK resident 

A Royal Bank Student current account holder

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.

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?