About RBS Platinum credit card...
- Great for 0% balance transfers or spending
- Purchase and fraud securities
- Travel services and discounts
Superb 0% introductory offers
The Royal Bank of Scotland platinum credit card offers a superb introductory offer for all new customers. Offering 0% interest rates on balance transfers for a market-leading 13 months and 0% on purchases for a useful 6 months too, the Royal Bank of Scotland platinum credit card wins top marks.
Platinum cardholder services
As a platinum credit card, this card comes with an outstanding range of platinum services, all of which are free when you become a Royal Bank of Scotland platinum credit card holder. The platinum features on this credit card are set to keep you and your money safe, offering purchase protection, an internet fraud guarantee, a travel help line, travel accident insurance, and all the standard features like online account management and RBS secure.
Plenty of extras
The Royal Bank of Scotland platinum credit cards comes value packed with one of the longest interest free periods on purchases available, no annual fee and a number of shopping discounts on travel, wine and magazines, an extended credit limit and the worldwide recognition of a MasterCard. All helping to keep this credit card in front position in your wallet.
Apply for RBS Platinum 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 |
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|
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 |
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|
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. |
| Purchase Protection Insurance |
Up to £3,500 per item, up to £15,000 a year |
Purchases bought with the Royal Bank of Scotland platinum will be covered for free against accidental damage, loss or theft in the UK, Channel Islands and Isle of Man for 100 days from purchase. Authorised additional cardholders are also covered. |
| 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 £250,000 |
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. |
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| 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 |
- |
| Card Type |
Platinum |
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|
| 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 Platinum 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 25 or over |
| • UK resident |
| • Earn at least £25,000 a year |
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More about RBS Platinum credit card...
The Royal Bank of Scotland platinum credit card offers a really fantastic introductory offer on any outstanding balances you need to transfer, and also on new purchases too. The current introductory deal for all new customers offers up 0% interest rates on balance transfers for 13 months and 0% on purchases for 3 months.
The Royal Bank of Scotland platinum credit card is a platinum card you'll want to keep at the front of your wallet, servicing you with a range of exclusive platinum features, all free, to help keep you and your money safe.
This credit card keeps on giving, with the longest interest free period on purchases available, no annual fee and a number of shopping discounts on travel, wine and magazines.
0% on balance transfers
The 0% on balance transfers for 13 months deal allows you to transfer an existing credit card and / or store card balance/s to the Royal Bank of Scotland platinum credit card and you won't be charged any interest for over 1 whole year, giving you the time to repay your balance without it accruing hefty interest charges.
Balance transfers do carry a handling fee, but this fee is only 2.9% of the balance you are transferring, and will be small change in comparison to the savings you'll make in interest charges.
0% on purchases
The Royal Bank of Scotland platinum credit card also offers a 0% introductory period on purchases too. So if you don't have any outstanding card debts, you can enjoy 0% rates for 6 months on new purchases instead.
Please remember though, if you have any cash transactions to make, and that includes cash withdrawals, getting 'cash back' at the supermarket and buying foreign currency or traveller's cheques, use your debit card, as these transactions are never covered by 0% introductory periods.
Platinum Card Benefits
As a platinum card the Royal Bank of Scotland platinum credit card offers a range of exclusive and more importantly free, platinum card holder benefits including; purchase protection, an internet fraud guarantee, a travel help line offering emergency medical and legal help abroad and travel accident insurance.
Purchase protection
When you pay for your purchases with the Royal Bank of Scotland platinum credit card you will automatically be covering your goods against accidental damage, loss and theft in the UK, Channel Islands and Isle of Man for up to 100 days after the purchase date. Your purchases will be covered up to £3,500 for any one item and a maximum of £15,000 in any 12 months. Additional card holders of the Royal Bank of Scotland platinum credit card are also covered.
Internet fraud guarantee
Keeping your money safe is the free Internet fraud guarantee offered with the Royal Bank of Scotland platinum credit card. When you have been shopping online, if your credit card details are then used fraudulently, the Royal Bank of Scotland guarantees not to hold you liable as long as the card was not used with your knowledge or consent.
Travel helpline
As a Royal Bank of Scotland platinum credit card holder you will be entitled to use the Royal Bank of Scotland travel help line to get emergency medical and legal help abroad. The Royal Bank of Scotland can even help pay for your first doctor's and/or legal consultation.
Travel accident insurance
When you buy your travel tickets with the Royal Bank of Scotland platinum credit card you will automatically receive up to £250,000 free travel accident insurance for you and your family. This policy covers you and your family against death and serious injury, but it is not a substitute for comprehensive travel insurance.
RBS Platinum Credit Card Application
You can apply online for the Royal Bank of Scotland platinum 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 platinum credit card you must be UK resident, aged 25 or over and be earning at least £25,000 p.a.
To apply online click the link below or use the 'apply now' button at the top of this page, you'll be taken to the Royal Bank of Scotland web site, where you can access the online application form.
Apply for RBS Platinum 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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