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 abroad, our card is a great way to spend while away.

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.

What you should know

You'll still pay fees on ATM and cash advance transactions abroad.

Low interest rates

Enjoy 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.

Our interest calculator will show you how much money you might be able to save.

Use our interest calculator

No balance transfer fees

Unlike many other cards, we won't charge you to do a balance transfer. It's just one more way this card could help you save.

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. This type of offer could help reduce your monthly credit card payments and/or clear your debt quicker.

How it works

If your application is successful, we'll contact your existing card issuers. We'll then transfer across what you owe on your old card onto The 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 24/7

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

Manage your card 24/7

Want to make a purchase on your card but you're not sure you've got available credit? Just go online or use our mobile app and you can check your balance in seconds. You can also review all your transactions, pay off your balance and lots more.

What you should know

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

Apple Pay and Contactless

These are two convenient ways to pay using The Royal Bank Credit Card

Apple Pay and Contactless

Apple Pay allows you to make a contactless payment in shops, because all your card details are stored within an Apple device. You simply touch your Apple device to the card reader and hey presto! Payment made.

Learn more about Apple Pay

Remember, all our credit cards are contactless too. It’s a super quick and no-fuss way to pay for items of £30 or less.

What you should know

Apple Pay is available on selected Apple devices.

Spread the cost of your purchase

Need to buy something quite expensive and you don't want the money to come out of your current account? A credit card is 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 new sofa, a credit card could be a good way to help you buy now and spread the cost. 

Costs

Other charges or fees

Some other important details you should be aware of.

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 makes sense – you’ll never be late paying again. We get that little mistakes are easy to make, so if you 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 limit we’ll charge you a fee of £12. If you only go over your limit by £12 or less, we won’t charge you. A good way to avoid going over your limit is to log onto digital banking or fire up our mobile app and check your balance before you make your next card purchase.

For full details of fees, please see the Summary Box in the Ready to apply section below.

Paying your credit card

To make it really convenient, there are a number of ways you can pay every month.

Making a payment

There are several ways you can pay your credit card. The most common is setting up a Direct Debit. Once you’ve set it up, the payment will be taken automatically each month. 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.

Our repayment calculator will show you how much faster you might be able to clear your credit card balance if you pay more than the minimum amount.

Use our repayment calculator

What you should know

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 successful, 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?