RBS Royalties Gold Credit Card Ex/C Features & Benefits
| 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 | 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 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 Window | 3 months | Not applicable. | |||
| 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 | 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: | |||||
| Maximum Credit Limit | £20,000 | The maximum credit limit available is £20000. Credit limit assigned according to status. | |||
| 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 | |||
| 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 | |||
| 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 | |||
| 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. | |||
| 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. | |||























