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
| 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 | ||
| 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. | ||
| 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. | ||


























