Credit Card Review & Application
RBS Platinum Credit Card
- 0% balance transfers for 20 months
- 0% interest on purchases for 6 months from account opening
- 3.2% Balance transfer fee – (minimum £5)
- 1% off the APR for Royalties Gold customers
- Free additional cardholder
- Representative Example: 17.9% APR Representative (variable). Based on 3.2% balance transfer fee, credit limit of 1200.00, annual interest rate (variable) 16.6%.
Related Cards
| Intro APR: | 0%* |
| Intro Period: | 20 months on BT |
| Representative APR: | 17.90% (variable) * |
| Annual Fee: | £0.00* |
| Issuer: | Royal Bank of Scotland |
| Card Network: | MasterCard® |
| Card Category: | Consumer (Premium) |
| Card Type: | - Instant Decision Card |
| Credit Needed: | Good* |
Enjoy platinum benefits and highly competitive interest on the RBS Platinum Credit Card. Existing Royal Bank of Scotland customers are entitled to a 18 month 0% balance transfer period and with a 2.8% balance transfer fee, it's very easy to transfer high interest debt and pay back in a way that suits your finance. Balance transfer from another credit card issued by the Royal Bank of Scotland is not permitted.
Another 6 month 0% period exists during which no interest applies on everyday purchases. The intro period on balance transfers and purchases may gain irrelevance when a cardholder pays late or exceeds the credit limit.
As RBS cardholder you qualify for 56 days of interest free credit on purchases. And no annual fee is charged. Comprehensive protection against online fraud and identity fraud give peace of mind when shopping online. With Online Account Access, you no longer have to wait for financial statements in the mail. Just use a PC connected to the internet, log into a secure interface, and there would be a comprehensive listing of transactions waiting for review.
Cardholders may include an authorized user by ordering an additional card for free. Note that additional cards are directly linked to the basic card and the cardholder is held responsible for repaying any balance accrued. Yet another useful feature this platinum card has to offer is "money transfers by phone". Cardholders are permitted to transfer credit from the credit card to a UK bank account with a minimum GBP 250 by phone.
Busy cardholders may organise travel for private or business purpose with a single phone call. There are discounts to gain on flight bookings, car rentals, and airport car parking. Cardholders on international travel requiring medical help overseas can receive essential treatment with a service that's dedicated to organizing medical transport on your behalf.
The RBS Platinum Credit Card is an ideal credit card for the working class individual. Cardholders can ask RBS to review the credit limit after six months in charge. MasterCard holders have access to extra benefits that include 10% on HP UK products, 10% with Superbreak (UK's foremost short break operator) and 20% on purchases at Buyagift.com. Check terms and conditions for more details relating to this offer.
| Other Benefits: | - Control your credit card online - Flexible credit limits - Pay by Direct Debit - Money transfers by phone - Special discounts - Travel benefits - Wine offers |
| Comments: | To apply for the card you should over 18, UK resident with good to excellent credit rating. |
| Online Account Access: | Yes |
| Introductory APR: | 0%* |
| Applied Towards: | Purchases, Balance Transfer |
| Introductory Period: | 20 months on BT* |
| Representative APR: | 17.90% (variable)* |
| Annual Fee: | £0.00* |
| Grace Period: | 56 days* |
| Min Finance Charge: | 0.10% |
| Min Credit Line: | £300 |
| Late Payment Fee: | £12.00* |
| Over Limit Fee: | £12.00 |
| Balance Transfer: | Yes |
| Transfer Fee (%): | 3.20% |
| Minimum Fee: | £5.00 |
| APR Cash Advances: | 24.90% |
| Cash Advance Fee: | 3.00% |
| Minimum Fee: | £3.00 |
| Additional Fees | Transactions in foreign currencies: 2.75% Copies of statements: £3.00 Returned payment fee: £10.00 |
| Apply Now |
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† Information concerning the RBS Platinum Credit Card is confirmed to be accurate at the time of publication (Oct 18, 2011). We strive to keep this information updated but cannot guarantee its accuracy. Readers are strongly advised to go through appropriate terms and conditions attached to a product before submitting the application.
