RBS Classic Card
RBS offer a range of Credit Cards to suit all needs. All their cards offer an introductory rate of 0% for 13 months on Balance Transfers and 6 months on Purchases. Typical 13.9% APR (Variable).
 |  Compare RBS Classic Card details directly with other credit cards or compare credit cards using our credit card comparison tables. | ||
| Company: | Royal Bank of Scotland www.rbs.co.uk  | ||
| Product: | Classic Card | ||
| Apply via this site: |  | ||
| Card Details | |||
 Card Issuer: | The card is issued by Royal Bank of Scotland. | ||
| Type: | This item is only available as a Mastercard | ||
| APR - Purchases: | The typical APR is 16.9% p.a. | ||
| Intro Purchase Rate AER: | The introductory rates for purchases is 5.0%. | ||
| Duration of Purchases Rate: | 9 months | ||
| Balance Transfer AER: | The annual rate for balance transfers is 16.9%. | ||
| Balance Transfer Fee (%): | No fee charged for making balance transfers. | ||
| Application Criteria | |||
| Min Age (yrs): | Minimum age for applicants is 18 years. | ||
| Min Income (£pa): | Minimum income required is £10000 p.a. | ||
| Rates | |||
| Cash Advance AER: | The annual interest rate for cash advances is 27.9%. | ||
| Benefits | |||
| Cash-Back Reward: | A cashback reward scheme is not available. | ||
| Air Miles: | Air Miles are not offered. | ||
| Other Incentives: | Royal Bank of Scotland offer a PrivacyGuard Service which aims to assist customers in repairing their credit record when they have become victims of identity theft. PrivacyGuard includes an Identity Theft and Fraud Protection proposition powered by Experian. The service will help to protect consumers against identity fraud and assist them in recovering their identity in instances of fraud that occur - not just on their credit card, but on any financial services products held with any financial institution. It provides comprehensive credit monitoring and identity fraud protection and notifies members whenever key changes occur on their credit report. If members become victims of identity theft, they have immediate access to a highly skilled network of individuals to tackle the problem on their behalf and can claim against the cost of recovering their identity. Key Features - Credit reports: unlimited access to a comprehensive and detailed view of a customers credit history. The information is presented in an easy to understand and straightforward format. - Credit score: a personalised credit score together with specialist advice to allow a customer to assess and manage their credit status. - Credit alerts: comprehensive monitoring system that provides front-line defence against fraudulent or unauthorised activity on an individual's credit report. - Credit query resolution: support from expert staff trained to assist customers in resolving their credit report disputes and queries. - Fraud resolution: assistance provided by a dedicated team with access to a significant lender network to help a customer recover from identity fraud. - Identity theft insurance: extensive protection to help cover the costs associated with re-building an identity. The service costs £6.99 per month.Customers signing up to the service in the first 6 months will receive a £10 voucher which can be offset against the purchase of a shredder to help safeguard their financial privacy. | ||
| Shopping Reward Prog: | No shopping reward available. | ||
| Fees & Charges | |||
| Annual Fee (£): | There is no annual fee. | ||
| International Charges %: | Transactions made in foreign currencies within Europe are charged a 2.75% fee. | ||
| Interest Charged from: | For any purchases, balance transfers and advances Royal Bank of Scotland will charge interest from the date of the transaction, on the amount of the transaction. For any cheques, they will charge interest from the date the transaction is charged to the account. | ||
| Interest Free Period: | 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. | ||
| Min Payment £: | 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. | ||
| Compare | |||
| Products: | www.rbs.co.uk Credit Cards | ||
