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RBS Royalties Gold Credit Card Ex/C

Compare the RBS Royalties Gold Credit Card Ex/C with the UK's best credit cards, including card details, application criteria, introductory rates, rates, benefits and fees & charges.

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	All Credit Cards		0% Balance Transfers
	0% Purchases		Lifetime Balance Transfer
	Low Standard APR		Cashback & Rewards
	Credit Building

RBS Royalties Gold Credit Card Ex/C Features & Benefits

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	18 years	Minimum age for applicants is 18 years.
Minimum Income	£10,000	A minimum income of £10000 is required on this product.
Introductory Rates
Intro Balance Transfer Rate	8.9%	The introductory balance transfer rate is 8.9% p.a.
Intro Balance Transfer Duration	Unlimited	Unlimited
Intro Balance Transfer Window	3 months	Not applicable.
Intro Balance Transfer Fee	0%	There is no fee for making balance transfers.
Minimum Intro Balance Transfer Fee	£0	There is no fee for making balance transfers.
Intro Balance Transfer Offer Begins	when account opened	Not applicable.
Intro Purchase Rate	8.9%	8.9% APR during introductory period.
Intro Purchase Duration	9 months	9 months
Intro Balance Transfer Availability	during fixed term	Not applicable.
Standard Rates
Typical APR (Variable)	15.9%	The typical APR is 15.9% p.a.
Cash Advance Rate	27.9%	The annual interest rate for cash advances is 27.9%.
Benefits
Cashback & Rewards Credit Card	yes	yes
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	yes	Extras Reward Programme Extras is a constantly changing selection of special offers, exclusive to Royal Bank of Scotland cardholders. Offers include savings...expand Extras Reward Programme Extras is a constantly changing selection of special offers, exclusive to Royal Bank of Scotland cardholders. Offers include savings on cases of wine, reductions on holidays with major tour operators, and special rates on magazines such as Tatler, Heat, Auto Express and Country Living. Royal Bank Travel Service A range of specially tailored discounts (including savings of up to 45% and free insurance) on selected brochure prices, access to last minute bargains, deals to send the cardholder faraway for less and special offers on cruises. Extra savings like special rates for airport car parking, cheaper holiday car hire and discounted rates for overnight airport hotel accommodation and attraction tickets. Royal Bank Wine Club The Wine Club provides the cardholders with a regular supply of top quality, value-for-money wines from around the wold delivered direct to their door. Royal Bank Magazine Service Permanently reduced prices on the UK's top magazines, delivered to the cardholders door. Optional Price Protection - If you have 60 day Price Protection you can claim back the price difference you have found on goods which you bought with your credit card. RBS will provide you with the first 90 days cover for only £1 and you can start claiming straight away. A further nine month's cover costs just £18.95. Thereafter the annual charge is £19.95.collapse
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	£100,000	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 £100,000. 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	no	Lost luggage cover is not available
Fees & Charges
Annual Fee	£0	No annual fee.
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.
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.
International Charges	2.75%	Transactions made in foreign currencies within Europe are charged a 2.75% fee.
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.

A-Z Credit Card Issuers

View our full A to Z list of all credit card companies.

You may want to compare the RBS Royalties Gold Credit Card Ex/C with these credit cards

Bank of Ireland MoneyBack Standard MasterCard

The credit card has an unlimited max intro balance transfer fee.
New customers get cash credit limit of £700.
New customers get average balance transfer rate of 17.9%.
Minimum introductory balance transfer fee of £0 is available with MoneyBack Standard MasterCard.
0.5% minimum money back rate is available with MoneyBack Standard MasterCard.
A cash loan rate of 24.9% is offered by Bank of Ireland.

Barclaycard OnePulse Credit Card with Purchase

£2,000 max lost luggage cover is offered with OnePulse Credit Card with Purchase.
Get a std balance transfer rate of 16.9%.
An intro purchase duration of 6 months is offered by Barclaycard.
Have the benefit of £0 yearly fee from Barclaycard.
Maximum purchase protection cover of £5,000 is offered with this credit card.

Barclaycard Platinum With Balance Transfer

You have the benefit of 16 months introductory balance transfer duration from the Platinum With Balance Transfer.
New customers will enjoy 60 days intro balance transfer window.
Number choice choice of card design is offered.
New customers will get initial balance transfer window of 60 days.
Get a minimum balance transfer fee of £0 from the credit card.
£0 annual fee is offered.

British Airways BA American Express Premium Plus Credit Card

Get a cash loan rate of 27.9 percent from the credit card.
1.527% mthly purchase intro rate is offered.
British Airways gives maximum lost luggage cover of £1,000.
The British Airways BA American Express Premium Plus Credit Card has a £200 maximumtravel delay insurance.
Get £400 per week cash loan limit from British Airways.
Customers get no choice choice of card design.

The Co-operative Bank Think Credit Card

New customers can take advantage of 12.9% average balance transfer rate.
£0 yearly fee is available with Think Credit Card.
Think Credit Card gives a balance transfer fee of 0 percent.
Applicants benefit from £0 max balance transfer fee from the credit card.
Think Credit Card gives a mthly balance transfer rate of 1.019 percent.
0.323% mthly balance transfer intro rate is offered with Think Credit Card.

MBNA Manchester UTD FC Card

A mthly balance transfer rate of 1.3852 percent is offered by MBNA.
An initial balance transfer duration of 12 months is offered by MBNA.
Balance transfer limit of £50,000 is available with the credit card.
0 percent monthly purchase intro rate is available with the credit card.
The MBNA credit card has an introductory balance transfer window of 90 days.
No choice choice of card design.

Ryanair Ryanair.com Mastercard

Applicants will get introductory balance transfer window of 6 wks.
Customers can get mthly balance transfer intro rate of 0%.
Customers get £500 cash loan limit from the Ryanair.com Mastercard.
A 19.9% typical APR (variable) is available.
£250 maximumtravel delay protection.
You get £0 minimum bal transfer fee.

Unison Credit Card by the Bank of Scotland

Credit Card by the Bank of Scotland offers a minimum balance transfer fee of £3.
£3 minimum intro balance transfer fee.
Annual fee of £0 is available.
Cash loan rate of 27.9 percent is available with the credit card.
Applicants get 1.385% mthly balance transfer rate from the credit card.
A 0 percent intro purchase rate is available.

RBS Black Card

Get a cash credit rate of 16.6% from this credit card.
Monthly purchase intro rate of 1.035% is offered with this credit card.
RBS gives monthly balance transfer rate of 1.035 percent.
The RBS credit card has a 1.035% mthly balance transfer intro rate.
Customers will get balance transfer fee of 0%.

Bank of Scotland Student Mastercard

Applicants get 1.385% mthly balance transfer rate from Bank of Scotland.
Student Mastercard offers a max balance transfer fee of £0.
The credit card gives a 1.385% mthly balance transfer intro rate.
Have the benefit of 0 percent bal transfer fee.

MBNA Miles & More American Express from MBNA

Initial balance transfer window of 90 days is available to new customers.
Applicants get 16.9 percent typical APR (variable).
Get minimum intro balance transfer fee of £3.
0% intro purchase rate is offered.
Number choice choice of card design is offered to you.
Take advantage of free statement copies with this Miles & More American Express from MBNA credit card.

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Application Criteria
Existing Customers Only	yes	yes
Minimum Age	18 years	Minimum age for applicants is 18 years.
Minimum Income	£10,000	A minimum income of £10000 is required on this product.
Credit Rating	good	Most suited to individuals who have an average income and a recent credit history free from credit defaults, arrears, CCJs or missed payments. The majority of credit card applicants can be described as having a good credit rating.