The Royal Bank Credit Card

A low rate credit card that
saves you money abroad

Representative 9.9% APR (variable)

The perfect travel pal for trips at home and abroad

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

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’ve used £1200 as a guide, 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 The Royal Bank Credit Card, there's no annual fee. 

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 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.

No foreign transaction fees

You won't pay any additional fees on foreign transactions and there's nothing added on top of the Mastercard exchange rate.

Things to remember

You'll still pay fees when you take out cash at the ATM or do a cash advance when you're abroad.

Low interest rates

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

Low interest rates

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 one.

Use our interest calculator to get a feel for how much you might be able to save.

Interest calculator

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.

Balance transfers

What is a balance transfer?

A balance transfer is when you move a credit card balance from one credit card provider to another. People tend to use thistype of offer tohelp reduce their monthly credit card payments and/or clear their balance quicker.

Things to remember

If your application is successful, we'll contact your existing card issuers and transfer the balance on your old card across to your new Royal Bank Credit Card. 

You can transfer any amount, up to 95% of your available credit limit. The minimum balance transfer amount is £100. Please note, you cannot transfer a balance from another Royal Bank of Scotland Group credit card.

Features

Manage your card wherever, whenever

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 The Royal Bank 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 a holiday or a new couch, a credit card could be a good way to help you buy now and spread the cost. 

Costs

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.

Paying your credit card

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

Making a payment

The most common way to pay is by Direct Debit. Once you’ve set it up, 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.

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?

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.

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

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.

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?