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RBS Platinum Credit CardIndependent review with up to date rates, fees and special offers for this card...
RBS credit card review: PlatinumTHE Royal Bank of Scotland Platinum credit card is now re-open to all new applicants and you no longer need to be a RBS current account customer to qualify. To qualify for the RBS Platinum credit card you will need to apply online, be UK resident, aged 18 or over and earn at least £10,000 per annum (gross). The RBS Platinum credit card is a great deal to become more widely available again, with a market leading 0% balance transfer offer for 16 months and a range of prestige cardholder extras including shopping and travel discounts as well as a travel helpline and emergeny medical help whilst abroad. 0% Balance Transfer Offer The RBS Platinum credit card offers one of the UK's best 0% balance transfer promotional deals, offering 0% rates for 16 months. Balances can be transferred up to 95% of your alloted credit limit and must be made within the first 3 months of account opening. They also carry a standard handling fee of 2.9% of the balance. If you don't have a current outstanding balance, the RBS Platinum credit card also offers an initial 3-month 0% period on new purchases, which can be used to help spread the cost of a large purchase over the next few months. Platinum Cardholder Services As a platinum credit card, this card comes with an outstanding range of platinum services, all of which come for free. The platinum features on this credit card are set to keep you and your money safe, offering an Internet fraud guarantee, free fraud text alerts, a travel helpline, emergency medical help abroad, 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 shopping and travel discounts. You'll be able to enjoy 10% off UK breaks with Superbreak and 20% off at buyagift.com. The RBS Travel Service also helps with booking holidays or business travel and offers discounts on advance bookings as well as last minute deals. With no annual fee and a number of discounts and even a wine club, an extended credit limit and the worldwide recognition of a MasterCard, the RBS Platinum credit card aims for the front slot in your wallet.
Review Continued...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 16 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 gifts, UK breaks, travel and wine. Offer re-open to all new applicants Previously the RBS Platinum credit card was only available to RBS current account customers, but is now re-open to all new applicants who meet the minimum required criteria. To qualify for the RBS Platinum credit card you'll need to be UK resident, aged 18 or over and earning at least £10,000 per year before tax. You'll still need to apply online and it's recommended to have all your relevant details to hand. 0% Balance Transfers The 0% on balance transfers for 16 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. You will need to move any balances within the first 3 months your account is open to make sure it qualifies for the 0% promotion. You will be able to move up to 95% of your alloted credit limit. 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 the first 3 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 and will become 'trapped' behind any cheaper or 0% balances. 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; an internet fraud guarantee, free fraud text alerts, a travel helpline offering advice and emergency medical help abroad, a travel booking service and a number of shopping discounts including 20% off a buyagift.com and 10% off at UK Superbreaks, plus there's even a wine club. 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. Free fraud text alerts The fraud text alerts are an optional service that you can choose to sign up for free. If you sign up, you'll receive text alerts if RBS notice anything suspicious looking on your account. Allowing you to check the transaction quickly and get it resolved if it is fraudulent. Travel helpline As a Royal Bank of Scotland platinum credit card holder you will be entitled to use the Royal Bank of Scotland travel helpline for advice as well as emergency medical help abroad. |
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