About RBS Gold credit card...
- Great for 0% balance transfers or spending
- Gold cardholder features
- Travel services and discounts
Excellent 0% intro deals
The Royal Bank of Scotland gold credit card offers an excellent introductory deal of 0% interest rates on balance transfers for a very pleasing 13 months (a 2.9% transfer fee applies).
For anyone who doesn't have a balance to transfer, there is a 0% purchase deal for the first 6 months your account is open too.
A card to keep hold of...
The Royal Bank of Scotland gold credit card is a card you will want to keep in your wallet long after the lure of the introductory period has ended.
Offering a range of additional features exclusive to gold cardholders, a 56 day interest-free period on purchases if you repay your balance in full - or a very competitive 12.9% APR for the months you roll a balance over. This really is a card you'll want to keep hold of.
Gold cardholder services
The exclusive gold cardholder benefits offered by the Royal Bank of Scotland gold credit card are all free services, and include a travel helpline to provide emergency help when you need it most whilst travelling abroad, an extended travel accident insurance policy of up to £100,000 and an internet fraud guarantee.
Plus as an Royal Bank of Scotland gold credit card account holder, you'll also get access to savings and discounts on travel, magazine subscriptions and wine club offers!
Apply for RBS Gold credit card 
| Interest Rates and Fees |
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|
Notes.. |
| Typical APR |
15.9% APR (variable) |
The typical APR is the rate most people are offered.
|
| Introductory Purchases |
0% for 6 months |
Payments will be applied towards introductory rates first. |
| Balance Transfers |
0% for 13 months |
Must be made within the first 3 months your account is open. Payments are applied towards introductory rates first. |
| Balance Transfer Fee |
2.9%
(£5 minimum) |
Introductory rate balance transfers carry a handling fee. |
| Cash Withdrawal Rate |
27.948% p.a. (variable) |
This is the rate you are charged on balances resulting from using a cash machine, getting cash back at the supermarket or buying foreign money. |
| Cash Withdrawal Fee |
3%
(£3 minimum) |
When you use your credit card to get cash you will be charged a 'handling fee' for doing so. |
| Annual Fee |
£0 |
-
|
| Foreign Transaction Fee |
2.75% |
This is fee you will be charged for credit card transactions made abroad.
|
| Rewards |
| |
|
Notes.. |
| Magazine Subscription Discounts |
Choice of magazines delivered at reduced prices. |
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| Travel Discounts |
Travel discounts when you use your RBS credit card at rbstravelservice.co.uk |
Discounts include an extra 5% off last-minute bargains, extra savings on airport car parking, car hire, airport hotels, and discounts on flights including low cost airlines. |
| Wine Club Offers |
The Royal Bank Wine Club has special offers when you pay with your RBS credit card |
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| Cardholder Services & Extras |
| |
|
Notes.. |
| Online Account Management |
Yes |
You can manage your account online if you have a Royal Bank of Scotland current account and use digital banking. |
| Internet Fraud Guarantee |
Yes - if your card has been used on the internet without your knowledge or consent, RBS guarantee not to hold you liable for the fraudulent transaction. |
- |
| Travel Accident Insurance |
Up to £100,000 |
Travel accident insurance covers you and your family against death or serious injury when you buy your travel tickets with this card. |
| Travel Helpline |
Travel advice and emergency medical and legal help whilst travelling abroad. |
- |
| Other Extras |
RBS secure |
- |
| Optional Extras |
Card Loss Insurance, Repayment Protection Insurance |
These are extras that you can choose, but you will have to pay for them. |
| Payments & Payment Details |
| |
|
Notes.. |
| Credit Limit |
£300 minimum, £20000 maximum |
Credit limit may vary from person to person and is subject to status. |
| Interest Free Period |
Up to 56 days |
For purchases if you have paid your previous and latest balance in full and on time. there is no interest free period on cash withdrawals, money transfers, or balance transfers not in the introductory period. |
| Minimum Monthly Payment |
2.25%
(£5 minimum) |
The minimum monthly payment is the smallest amount you must pay each month (unless your credit card balance is zero). |
| Allocation of Payments |
Interest, fees, introductory rates, purchases, balance transfers, cash withdrawals, money transfers, cheques |
When you make a payment to this card they will be applied to charges / balances in this order. |
| Default Charges |
£12 |
This is how much you will be charged for late payments (£12), returned payments (£10), if you go over your credit limit (£12). |
| Copy of Statement Fee |
£3 |
This is the fee you will be charged for duplicate statements. |
| Card Details |
| |
|
Notes.. |
| Online Application |
Yes - Instant Decision |
In most cases you'll receive an instant decision when you apply online. |
| Card Type |
Gold |
-
|
| Payment Company |
MasterCard |
This is the company who provides the payment technology and infrastructure to allow you to use this credit card. retailers and ATM machines displaying the 'MasterCard' logo will accept this card. |
| Card Issuer |
The Royal Bank of Scotland |
This is the bank behind your credit card. |
| Card Advertiser |
The Royal Bank of Scotland |
This is the company who advertises and promotes this credit card. |
|
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RBS Gold Credit Card
| Typical APR |
 15.9% APR |
 |
| Intro Purchases |
| 0% for 6 months |
|
| Balance Transfers |
 0% for 13 months
2.9% transfer fee - £5 min |
|
| Rewards |
| Travel discounts |
|
| Interest Free Period |
| Up to 56 days |
|
| Annual Fee |
| £0 |
|
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| You should only apply if you are: |
| • Aged 21 or over |
| • UK resident |
| • Earn at least £20,000 a year |
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More about RBS Gold credit card...
The Royal Bank of Scotland gold credit card offers a fantastic starting deal of 0% interest rates on balance transfers for 13 months and purchases for the first 3 months.
The Royal Bank of Scotland gold credit card also comes with a range of gold cardholder features and services. Plus, there is no annual fee and a very competitive typical APR.
0% balance transfers
The 0% balance transfer deal for 13 months allows you to transfer an existing credit card balance to the Royal Bank of Scotland gold credit card and you won't be charged any interest for 13 months.
There is a balance transfer handling fee of 2.9% of the balance you are transferring, however this is still small change in comparison to the savings you'll make on interest charges.
It is also important to note, that when you take out a Royal Bank of Scotland gold credit card you will need to transfer your existing credit card balance within 3 months of your account opening to qualify for the promotional offer. The best thing to do is transfer the balance when you apply for the card online.
0% on purchases
For the debt-free, you'll be able to enjoy a 0% interest rate on your purchase spending for 6 months. Allowing you to splash out on a large purchase and repay it a little more slowly over the next few months without being charged any interest.
Just remember to use your debit card for any cash withdrawals, or buying foreign currency or traveller's cheques, as these cash transactions are not included in the 0% promotional offer.
Travel Helpline
Carrying a Royal Bank of Scotland gold credit card entitles you to emergency medical and legal help abroad, including advice on visas, passports, health and vaccinations. With the Royal Bank of Scotland travel help line, while you are away you can get medical supplies or documents forwarded, get an emergency three month loan of up to £250, track down lost belongings and send or get messages. If you do need medical treatment whilst abroad, the Royal Bank of Scotland can arrange and pay up to £500 for your first consultation with a doctor and any essential medical transportation. You can also get legal consultation and the Royal Bank of Scotland may be able to pay for your first hour.
Benefits and Features
The Royal Bank of Scotland gold credit card offers exclusive gold cardholder benefits and financial advantages, including online account management, an internet fraud guarantee to keep your money safe whilst shopping online, and magazine, travel and wine discounts. You will also receive up to £100,000 travel accident insurance when you buy your travel tickets with your Royal Bank of Scotland gold credit card.
Royal Bank of Scotland Gold Credit Card Application
You can apply online for the Royal Bank of Scotland gold credit card and receive an instant online decision, making the application process quick and simple. Applying online is also safe because the application forms use encryption methods so that only the Royal Bank of Scotland can read your information.
To be considered for a Royal Bank of Scotland gold credit card you must be UK resident, aged 21 or over and be earning at least £20,000 p.a.
To apply online now, click the link below or the use the 'apply now' button at the top of the page, both will take you to the Royal Bank of Scotland web site, where you can apply securely online.
Apply for RBS Gold credit card
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The Royal Bank of Scotland plc
36 St Andrew Square
Edinburgh
EH2 2YB
www.rbs.co.uk
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