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

No annual fee

Use worldwide at Mastercard locations

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

Will I be accepted for this credit card?

Representative example

Purchase rate

p.a (variable)

Representative APR


Assumed credit limit


Annual fee


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

Our mobile app is available to customers with Digital Banking, compatible iOS and Android devices and a UK or international mobile number in specific countries.

Ready to apply?

Let's get started. Do you have Digital Banking with us?

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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! Looks like you're ready to get started.

Just a heads up -  we'll ask for your Digital Banking log-in details at the next step.

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.

Something else we can help you with?