Cardholders are entitled to the following store discounts:
15% off at Kitbag.com
£5 off at Firebox.com
10% off plus free delivery at eBags.co.uk
10% off stationary at Paperstorecollapse
| 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 | ||||
| Permanent UK Resident | yes | This product is only available to individuals who are permanent UK residents. | ||
| Minimum Age | 18 years | Minimum age for applicants is 18 years. | ||
| Minimum Income | £0 | There is no minimum income required. | ||
| Standard Rates | ||||
| Typical APR (Variable) | 18.9% | The typical APR is 18.9% 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. | ||
| Rewards | yes | yes | ||
| Reward Points | no | No points scheme available. | ||
| Air Miles | no | Air Miles are not offered. | ||
| Shopping Rewards | yes | Cardholders are entitled to the following store discounts: 15% off at Kitbag.com £5 off at Firebox.com 10% off plus free delivery at eBags.co.uk...expand | ||
| Choice of Card Design | no choice | No choice of card design is available. | ||
| Payment Protection | no | Payment protection is not available. | ||
| Travel Insurance Cover | £50,000 | 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 | There is 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. | ||
