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RBS Credit Card Charges – Reward, Reward Black, The Royal Bank & Student

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Last updated on October 15th, 2018 at 04:55 pm

What are RBS credit card charges? Does RBS charges for using the credit card abroad? Royal Bank of Scotland knows that it’s easy to choose credit card when there are a clear benefit and assistance scheme. That’s why RBS made range nice and simple. RBS credit card is great for saving money and also helping with student finance. Royal Bank of Scotland credit cards will help you to purchases and balance transfers at low rates.

Might be, you are interested in knowing RBS Reviews before applying to get one for you. Bank also offer you to cancel card & services anytime you like with the help of telephone, visiting a branch or doing it at home or office with Digital Banking Services. Bullet Proof enabled security makes sure to secure your rbs lost credit card from unauthorized uses.

List of RBS Credit Cards

  1. Reward Credit Card
  2. Reward Black Credit Card
  3. The Royal Bank Credit Card
  4. Student Credit Card

RBS Rewards Credit Card

Representative Example

Representative APR is 23.7% (variable). It is based on Credit Limit of £1,200.

Rewards Credit Card by RBS typically applies 23.7% APR, these charges could be variable and annual fee will also be applied after three months of membership. The annual fee will be refunded if you have a reward current account. You can earn 0.5% rewards on every purchase everywhere. Royal Bank of Scotland applies £24 annual fee when you first ever use your account and then after one year on that date.

Reward credit card offers 1 RBS reward point every time you spent 1$ on grocery, gas & other market purchases. To get bonus points Credit Cardholder has to carry out a significant amount of transactions through the card. Reward Card enables you to make RBS Credit Card Payments in native currency as well as in foreign currency when needed.

RBS Rewards Fees and Charges

Representative APR 23.7%
Interest rate on purchase 18.9% p.a. (variable)
Annual fee £24

RBS Reward credit card overseas charges

Charges for £100 International Cash Withdrawal £ 3
Interest Charged on Cash Withdrawals 25.9 % AER
Cost of £100 Transaction Worldwide £ 2.75

RBS Rewards Additional Charges

Inactivity Fee: None
Late Payment Fee: £ 12
Returned Payment Charge: £ 10
Copy Statement Charge £ 3
Returned Payment Charge £ 10
Over Limit Fee: £ 12
Copy Voucher Charge £ 0

This credit card is suitable for you if:

  • You earn at least £ 10,000 per year
  • Your credit rating is Prime
  • You would like to borrow at least £ 300
  • You are above 18 years older

Rewards Black Credit Card

Reward Black Credit Card by RBS applies 31.7%APR, these charges could be variable and annual fee will be applied after three months of membership. Using this card; you do not have to pay any foreign transaction fees. The annual fee will be refunded if you have already a Reward Black current account. Service tax will be applied with the total amount charged to the Credit cardholder.

While using Reward Black credit card, as you earn RBS reward points near to £5, you can convert them in money into your account. Reward Black credit cards offer security purchases and also enlarge warranty protection for your account.

RBS Rewards Black Charges

Annual Fee £ 84
Interest-Free Period (transactions) 56 days
Annual Interest Rate for Purchases 18.9 % AER
Interest-Free Period (cash withdrawals) 0 days
Minimum Monthly Repayment statutory minimum

Reward Black Overseas Charges

Cost of £100 Transaction Worldwide Free
Cost of £100 Transaction in Europe Free
Interest Charged on Cash Withdrawals 25.9 % AER
Charges for £100 International Cash Withdrawal £ 3

RBS Reward Black Additional Charges

Over Limit Fee £ 12
Late Payment Fee £ 12
Copy Voucher Charge £ 0
Returned Payment Charge £ 5
Inactivity Fee None
Copy Statement Charge £ 0

This Credit card is suitable for you if

  • Your you earn at least £ 15,000 per year
  • Your credit rating is prime
  • You would like to borrow at least £ 5,000
  • You are above 18 years old

The Royal Bank Credit Card

The Royal Bank Credit Card by RBS applies 9.9% APR, which will be variable according to market ups and downs. Using this Credit Card you will enjoy a 0% annual fee. The Royal Bank credit card offers 0% foreign transaction fee and low rates on balance transfers. You can also save money by using our abroad card. Using Royal Bank credit card you will enjoy low-interest rates.

RBS Credit card service provides a secure banking service for personal, business and commercial users. It also provides a revolving credit limit that varies with financial exposure of the holder.

The Royal Bank Credit Card Charges

Interest-Free Period on transactions 56 days
Min Monthly Repayment statutory minimum
Interest-Free Period in cash withdrawals 0 days
Annual Interest Rate for Purchases 9.9 % AER

The Royal Bank Card Overseas Charges

Cost of £100 Transaction in Europe Free
Cost of £100 Transaction Worldwide Free
Interest Charged on Cash Withdrawals 16.9 % AER
Cash Withdrawal Charges for £100 International £ 3

The Royal Bank Credit Card Additional Charges

Late Payment Fee £ 12
Over Limit Fee £ 12
Copy Statement Charge £ 3
Copy Voucher Charge £ 0
Inactivity Fee: None
Returned Payment Charge £ 10

This card is suitable for you if

  • You earn at least £ 10,000 per year
  • Your credit rating is prime
  • You would like to borrow at least £ 300
  • You are above 18 years older

RBS Student Credit Card

Representative APR is 18.9% (variable), If you are borrowing of £500 on an interest rate of 18.95% (variable) annual.

RBS Student Credit Card applies 18.9% APR and also have no annual fee. This card will ensure safety for student life. The least maximum limit for student credit card is £500. But to avail student Credit Card service you must have a Royal Bank of Scotland Student current account.

Charges for RBS student account, set out in the list, must be paid by every credit card holder. Along with these charges other taxes, duty, and some else charges were also required to be paid, which will be applied to your account. RBS Credit Card services are full-time amazement, but if payment will not be paid within due date, then credit cardholder charged with some additional costs, just due to delay in payment.

RBS student Credit Card Charges

Interest-Free Period for transactions 56 days
Min Monthly Repayment statutory minimum
Interest-Free Period for cash withdrawals 0 days
Annual Interest Rate for Purchases 18.95 % AER

RBS Student Credit Card Overseas Charges

International Cash Withdrawal Charges for £100 £ 3
Interest Charged on Cash Withdrawals 27.95 % AER
Cost of £100 Transaction Worldwide £ 2.75

RBS Student Card Additional Charges

Over Limit Fee £ 12
Late Payment Fee £ 12
Copy Statement Charge £ 3
Returned Payment Charge £ 10
Copy Voucher Charge £ 0
Inactivity Fee None

This credit  is suitable for you if

  • Your credit rating is prime
  • You would like to borrow at least £ 250
  • You are over 18
  • You are previously an existing customer

Credit Card hub of Royal Bank of Scotland will help you to choose the best one credit card.  Credit Cards from RBS also introduce a “Grace Period” once during a year. During the Grace period, the cardholder has to pay their credit card bills without any additional interest.

Credit Card is more convenient than carrying cash with you. Try RBS cards from making payment to receiving is quite easy to use. RBS Credit Card Online Services help you to achieve the financial goal.

Related Reading  How to Signup & Login RBS Credit Card Online Services
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