Royal Bank of Scotland Royal Bank Credit Card

4.0

OUR RATING

Representative APR

12.9% APR (variable)

Purchases

12.90% (variable) p.a.

Balance Transfers

12.90% (variable) p.a. (0% fee)

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 12.90% (variable) p.a., most accepted customers get a rate of 12.9% APR (variable).

4.0

OUR RATING

Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.

Our Verdict

The Royal Bank of Scotland credit card offers a low interest rate with no annual fees and no fees on foreign transactions. It is suitable for individuals seeking a cost effective credit card for both local and international use.

Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.

Product Features & Benefits

Issuer	Royal Bank of Scotland
Network	Mastercard
Primary Category	Purchases
Loyalty Scheme
Incentive on opening	Lower interest rates and no fees on transactions abroad.
Cashback/Rewards (if applicable)	No cashback scheme
Account Fee	£0
Purchases	12.90% (variable) p.a.
Purchases Interest Free Period	56 days
Balance Transfers	12.90% (variable) p.a. (0% fee)
Balance Transfer Fee	0.00%
Cash Advances	26.90% (variable) p.a. (fees apply)
Minimum Credit Limit	£ 250.00
Maximum Credit Limit	Subject To Status

Fees & Charges

Account Fee	£0
Late Payment	£ 12
Returned Payment	£ 10
Exceed Limit	£ 12
Duplicate Statement	£ 3
Replacement Card	£ 0
Trace Fee	£ 0
Cash Withdrawal Fee	3%
Cash Withdrawal Minimum Charge	£ 3
Foreign Usage EU	0%
Foreign Usage World	0%