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The Royal Bank Credit Card

A low rate credit card that
saves you money abroad

Representative 9.9% APR (variable)

A helping hand with your everyday spending

No foreign transaction fees

Low interest rates

No balance transfer fees

No annual fee

Use worldwide at Mastercard locations

Get a feel for how much you might be able to save using our interest calculator.

Check your eligibility

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

Representative example

Purchase rate

9.9%
p.a (variable)

Representative APR

9.9%
(variable)

Assumed credit limit

£1200

Annual fee

£0

Managing your credit card

Paying your credit card

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

Other charges or fees

Some other important details you should be aware of.

Card Features

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 Instalment Plan could be a good way to spread the cost.

Ways to pay

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

Mobile App Features

Lock and unlock your credit card

Get to know your spending habits

Keep an eye on your credit score

Replace your credit card

Let us know your travel plans

What you should know

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Get ready to apply

First, let's check your eligibility

Use our free eligibility checker before you apply to see if you’re likely to be accepted. It takes just 2 minutes and there’s no impact on your credit score.

If you've already checked, you're good to move on to the legal documents below.

Please read these important documents

Please take some time to read the important information. By clicking 'Start my application' below, you are confirming that you have been provided with, and have acknowledged our important documents.

All okay? Let's get started.

Do you have Digital Banking with us?
You'll need to have Digital Banking to apply online with us. If you don't, we'll help you sign up easily in just 5 minutes. You could save time by applying through our mobile app if you're already set up.

You're ready to go

Just a heads up - here's what you'll need to apply:

  • Your Digital Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Let's get you set up

You'll need to sign up for Digital Banking with us to apply for The Royal Bank Credit Card online. The good news is that it normally takes only 5 minutes. If you need a hand, follow our step-by-step guide below.

What you'll need

  • Your sort code and account number
  • Your Royal Bank of Scotland debit card, if you have one

When you've got your new digital banking details, select 'Next' below to continue applying for this credit card.

You're ready to go

Just a heads up - here's what you'll need to apply:

  • Your Digital Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Let's get you sorted

You’ll need your customer number, digital banking PIN and password to apply online. Choose from one of the options below and we'll help you on your way.

When you've got your new digital banking details, select 'Next' below to continue applying for this credit card.

You're ready to go

Just a heads up - here's what you'll need to apply:

  • Your Digital Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Something else we can help you with?