Classic Credit Card

Classic Credit Card

Get a range of benefits

If you're over 18 and earn more than £10,000, our Classic Credit Card is a simple way to manage your finances.


Manage your credit card


  • Control your credit card online
    Check your balance whenever it suits - and pay your balance from almost any computer - PC or Apple Mac.
  • Pay by Direct Debit
    Why worry about late payments? Pay off as much as you like each month - as long as you make the minimum payment. We do not recommend that you only ever make your minimum payment.
  • Flexible credit limits
    After six months you can ask us to review your credit limit.
  • Money transfers by phone
    Transfer money from your Classic Credit Card to any UK bank account. The minimum is £250 - and you just pay your money transfer rate from the date of the transfer. Please refer to our rates and fees for more information.
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Financial benefits


  • Purchases and balance transfers

    Pay a low rate of just 4.9% on all your purchases for a whole nine months from account opening.

    After the introductory period, your purchases will be charged at your standard rates. Find out more about purchases – see our rates and fees.

    Why not consolidate your existing debt into one easily manageable sum by transferring balances from your existing cards to your RBS Credit Card.

    You can transfer up to 95% of your credit limit so if your new card has a limit of £20,000 you could switch up to £19, 000 of your existing balances. There is no fee, so your transferred balances will just be charged at your standard rates. Find out more about balance transfers – see our rates and fees.

    Balance transfers from other Royal Bank of Scotland Group cards are not permitted.

    Typical 16.9% APR (variable)

  • Up to 56 days' interest-free credit on purchases
    If you pay the balance in full and on time and have paid the previous month's balance in full and on time.
  • £300 daily cash advance
    Use your Classic Credit Card to get up to £300 each day (depending on your credit limit) from cash machines worldwide. Subject to a 3% handling fee with a minimum £3.00.
  • No annual fee
  • Get more from our Royalties current account

    If you also have a Royalties current account, you are guaranteed a 1% initial discount on our standard credit card purchase rate for at least 12 months. Rates variable.  To take advantage of this offer you must log in to digital banking and apply using the ‘credit card’ link. If you do not use digital banking, please call us on 0800 072 1999 to apply.

    Save on eating out, DVDs, CDs, books and more.

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Share the benefits


  • Add a cardholder for free
    Would your spouse, partner or a close friend enjoy the benefits of your credit card?
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Special discounts


We have great pleasure in offering our MasterCard holders these great discounts:

  • 15% off at kitbag.com
    Take your pick from big names like Adidas, Nike and Puma and more. You’ll be spoilt for choice with everything from football shirts and boots to training gear and leisurewear.
  • 10% off UK short breaks with Superbreak
    Superbreak is the UK's No.1 short break operator, providing accomodation at over 1,600 hotels across the country. Whether you're heading for the bright lights of the city or a rugged coastal adventure, Superbreak offers everything from 2-star economy to 5-star luxury.
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Travel benefits


  • Travel bookings
    Organise your holiday or business travel with a single phone call. There are discounts on advance bookings, last-minute bargains and on almost everything else - from flights to airport car parking.
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Wine offers


  • Royal Bank Wine Club
    Special offers for cardholders, and sometimes free gifts too.

    For more details or to register please call 0870 442 1138
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Summary Box
The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
APRTypical 16.9% APR (variable)
Other Interest RatesIntroductory RateMonthly RateAnnual Rate
SimpleEffective
Purchases4.9% for 9 months from account opening1.313%15.756% p.a.16.945% p.a.
Balance TransfersN/A1.313%15.756% p.a.16.945% p.a.
Cash AdvancesN/A2.075%24.900% p.a.27.948% p.a.
Money TransfersN/A1.313%15.756% p.a.16.945% p.a.
Interest Free Period
  • Maximum 56 days for purchases if you pay your balance in full and on time, and have paid the previous month's balance in full and on time.
  • No interest free period on cash advances, money transfers or balance transfers.
Interest Charging InformationThe periods over which interest is charged are as follows:
FromUntil
Purchasestransaction daterepaid in full
Balance transferstransaction daterepaid in full
Cash advancestransaction daterepaid in full
Money transfersdate debited to your accountrepaid in full
Allocation of Payments

We will apply payments we receive to your account in the following order:

  1. Interest on special offers
  2. Other interest, any fee and charges
  3. Special offers
  4. Purchases and balance transfers
  5. Cash advances and money transfers
See section 2(D)(c) of your Credit Card Agreement for full details.
Minimum repayment
Each month, the greater of:
(i) 2.25% of the new balance shown on your statement, rounded down to the nearest pound or £5, whichever is more; or (ii) the amount you owe over your credit limit less any overdue amounts from previous statements. We do not recommend that you only ever make your minimum payment.
Amount of credit
Minimum £300, maximum £20,000. Subject to status.
Fees
No Annual Fee.
Charges
  • Cash advances (except gambling transactions): 3%, minimum £3.
  • Transactions in foreign currencies (including purchase of foreign currency and travellers' cheques): 2.75%.
  • Copies of statements: £3.
  • Returned payment: £10.
  • Returned promotional cheque: £12.
Default charges
  • Over limit: £12.
  • Late payment: £12.

The Royal Bank of Scotland Classic card is available subject to approval, only to persons with an income of at least £10,000 p.a., and aged 18 or over. These services are for the attention of UK residents only and are only available in the UK. Please view Summary Box for important information on interest and charges.

The application process takes place within a secure Web site. All information submitted is protected by strong security techniques including 128-bit encryption so that it cannot be read by others.

The information you provide will be subject to a credit search with a credit-scoring bureau. Each time a credit search is conducted it is recorded against your details held at the credit-scoring bureau.

To complete an application you should have the following: Income details, Bank or Building Society details, Employer's name, address and telephone number, Details of a previous address if you've lived at your current address for less than two years, and Details of other credit or store cards (should you wish to transfer a balance to RBS).

For more product information or to request an application pack call 0800 16 16 16 (Minicom users call 0870 154 1192).

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