Royal Bank Credit Card - Learn How to Apply

The Royal Bank Credit Card is issued by the Royal Bank of Scotland. This card offers several great features and benefits. 


Before you apply, you may want to learn about these features and how to apply. After all, your credit's future is at stake.

We have gathered everything you will need to know before you begin the application process for the Royal Bank Credit Card. Let’s start with the features of the card.



This credit card comes with a lot of features. First, there is no account fee or balance transfer fee. 

You can also take it abroad and use it without fear of a transaction fee showing up on your account statement. There is no annual fee, either, and it is able to be used anywhere in the world that accepts Mastercard. 



The card also has an installment plan system for those who don’t want to use money from their account. There are also many ways to make payments, as well as an easy-to-use mobile app. 

The mobile app allows you to do the following.

  • Lock/unlock the card
  • Analyze spending habits
  • Check your credit score
  • Replace your card
  • Update bank on travel plans

The card has no introductory offers. It does, however, offer a consistent low-interest rate on purchases and balance transfers. 

How to Apply

There are multiple ways you can apply.

  • In branch
  • Via mobile app
  • Online

Once you have chosen your method, you will want to ensure that you meet the eligibility requirements. If you are eligible, then you can continue on through the application process

You will want to make sure that you have the documents and information you will need handy when the application process starts. This includes a previous bank statement, your identification, your current address, and income statements.

With the application finished, all that will be left to do is wait for the approval.

Who is Eligible?

This card is open to existing customers of the Royal Bank of Scotland as long as they meet the following requirements.

  • Residents of the UK
  • 18 years of age or older
  • Minimum annual income of £10000

Fees and Interest

As mentioned previously, the Royal Bank Credit Card has no annual fee and no interest on balance transfers, either. There are fees placed on balance transfers and purchases, though. 

For a balance transfer, you will be looking at 6.9% interest and 9.9% on purchases. During the first 56 days, all purchases will be interest-free, but once that time is up, the card will revert to the previously mentioned 9.9%. Cash advances and money transfers will incur a 16.9% charge. The card has a minimum credit line of £300 and no max credit.

As for fees, there are a few that need to be discussed. There is no fee for having an account, balance transfers, money transfers, or any foreign transactions, but there is a cash advance fee. When taking a cash advance, you will be charged a 3% fee or a minimum of £3, whichever is the most. If you happen to pay late, you will also be charged a £12 late fee. 

For duplication of your statement, you will also face a fee of £3. If you don’t use your card or need one replaced, there will be no additional charge.

Bank Contact Info

If you have any questions, you can visit the Royal Bank of Scotland website and use the branch locator to find the closest one to you. Alternatively, you can call the following numbers.

UK: 0370 907 0010

International: +44 1268 508018

Minicom: 0800 141 3999

Operation times may vary, but on average, they will be open for your questions Monday through Friday from 9 am – 7 pm. On the weekends, you will be able to reach them on Saturday from 9 am -1 pm.


If you are eligible for it, this card is a good credit card to start with. There are not a lot of in-depth features, and the management and payment for the Royal Bank Credit Card are easy to follow. 

The zero annual fee and foreign transactions make this a suitable card for individuals who travel regularly. 

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.