RBS Black Card

Compare the RBS Black Card with the UK's best credit cards, including card details, application criteria, introductory rates, rates, benefits and fees & charges.

RBS Black Card Details

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Provided By RBS

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RBS Black Card Features & Benefits

(currently displaying summary information only)

Feature / Benefit	Summary	Details
Card Details:
Type of Card	Mastercard	This item is only available as a Mastercard
Instant Online Decision	yes	An instant online decision is available to applicants.
Application Criteria:
Minimum Age	25 years	Minimum age for applicants is 25 years.
Minimum Income	£75,000	There is a minimum income required of £75000.
Standard Rates:
Typical APR	51.8%	The typical APR is 51.8% p.a.
Cash Advance Rate	16.6%	The annual interest rate for cash advances is 16.6%.
Benefits:
Cashback & Rewards Credit Card	no	no
Cashback Reward	no	A cashback reward scheme is not available.
Reward Points	no	No points scheme available.
Air Miles	no	Air Miles are not offered.
Shopping Rewards	no	No shopping reward available.
Payment Protection	yes	Payment Protection Insurance Cover Payment Protection has been designed to take care of the payments if certain circumstances prevent the insured from...expand Payment Protection Insurance Cover Payment Protection has been designed to take care of the payments if certain circumstances prevent the insured from doing so. To be eligible for Payment Protection the cardholder must be: - the first named on the application, - aged between 18 and 64, - employed for at least 16 hours per week in the UK (or on statutory maternity leave) or self-employed, and - unaware of any impending unemployment. Provided that the cardholder was working or, where applicable on statutory maternity leave, and are unable to work due to disability for 30 consecutive days or, if they become unemployed for 30 consecutive days the insurer will credit the account with 10% of the outstanding balance at the calculation date or £10, whichever is the greater (subject to a maximum of £500 per month for Classic Cardholders and £750 per month for Gold Cardholders and £1,000 per month for Platinum Cardholders). Payments will continue to be made until disability or unemployment ceases, 12 monthly payments have been made, or they return to work or cover ends, whichever happens first. Customers' claims will be paid based on the balance of their account on the date they stop working, due to unemployment or illness. In the event of death the balance outstanding on the agreement at the calculation date will be repaid, up to a maximum of £5,000 for Classic Cardholders and £7,500 for Gold Cardholders and £10,000 for Platinum Cardholders.collapse
Travel Insurance Cover	£250,000	Travel Accident Insurance Paying for a journey either at home or abroad by using the Royal Bank of Scotland Credit Card will entitle the cardholder to...expand Travel Accident Insurance Paying for a journey either at home or abroad by using the Royal Bank of Scotland Credit Card will entitle the cardholder to Free Travel Accident Insurance during the course of the journey up to £250,000. Cover is available to the cardholder, his/her spouse and their dependent children under 23 years of age while mounting into, travelling in, or dismounting from any conveyances stated in the terms and conditions when all or part of the fare or cost of travelling in such conveyance has been charged to the Royal Bank of Scotland Credit Card. Emergency Medical and Legal Assistance Abroad When abroad, the cardholder can use the medical and legal referral services provided by FirstAssist. The service includes a travel information service, medical service, contact details for doctors in the local area and a legal referral service.collapse
Lost Luggage Cover	yes	Lost luggage cover is included in annual fee.
Fees & Charges:
Annual Fee	£250	Annual fee of £250.00
Interest Free Period	56 days	Interest free period of 56 days. All purchases will be free from interest if the account is settled in full within 25 days of the statement date.
International Charges	2.75%	Transactions made in foreign currencies within Europe are charged a 2.75% fee.
Minimum Repayment %	2.25%	The minimum monthly payment is 2.25% of the outstanding balance, minimum £5, whichever is the greater, or the full amount due if less than £5.
Minimum Repayment £	£5	The minimum monthly payment is 2.25% of the outstanding balance, minimum £5, whichever is the greater, or the full amount due if less than £5.
Late Payment Charge	£12	A charge of £12.00 will be made if the issuer does not receive its minimum required payment from the cardholder by the date on which it is due.

Feature / Benefit	Details	Rating out of 5
Application Criteria:
Existing Customers Only	no	no
Minimum Age	25 years	Minimum age for applicants is 25 years.
Minimum Income	£75,000	There is a minimum income required of £75000.
Credit Rating	very good	Most suited to individuals who have a substantial income and a credit history free from credit defaults, arrears, CCJs or missed payments.

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