The Royal Bank Credit Card

A low rate credit card that
saves you money abroad

Representative 9.9% APR (variable)

A helping hand when you're trotting the globe

No foreign transaction fees

Low interest rates

No balance transfer fees

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

9.9%
p.a (variable)

Representative APR

9.9%
(variable)

Assumed credit limit

£1200

Annual fee

£0

Features and benefits

Benefits

No foreign transaction fees

With no additional fees on transactions when you travel abroad, this card is a great way to spend when you're on your holidays.

Low interest rates

You'll benefit from low interest rates on purchases and balance transfers

No balance transfer fees

We don't charge you to do a balance transfer from another card provider. So that's one less thing to worry about.

Features

Instalment Plans

Instalment Plans allow you to make regular payments against eligible individual purchases that you don’t want to pay off all at once. Please note: Instalment Plans are for existing credit card customers only. Eligibility criteria and monthly fees apply.

Ways to pay

There are many convenient ways to pay using The Royal Bank 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.

Costs

Other charges or fees

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

Paying your credit card

There are lots of ways you can pay your credit card every month.

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, income and outgoings.

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.

You can find out more about applying online by watching this short video guide.

Ready to apply?

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

Do you have Royal Bank digital banking?

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The quickest way

As we already know a bit about you, applying for The Royal Bank Credit Card should be pretty easy as we can pre-fill in a lot of your application.

What you'll need

Your income, outgoings and employment details

Your digital banking log in details

A note of any cards you wish to transfer a balance from

Now for the important legal stuff

To apply, you must be

Aged 18+

A UK resident

Earning at least £10k per year

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 Royal Bank 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.

What you'll need

Your address details for the last 3 years

Your income, outgoings and employment details

Your bank account details

A note of any cards you wish to transfer a balance from

Now for the important legal stuff

To apply, you must be

Aged 18+

A UK resident who has a UK bank account

Earning at least £10k per year

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.

Something else we can help you with?