Gold 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
  Need a little bit of breathing space for your finances? After six months you can ask us to review your credit limit.
• Money transfers by phone
  Transfer money from your Gold Credit Card to any UK bank account. The minimum is £250 - and you just pay the usual purchase rate from the date of the transfer. Please refer to our rates and fees for further details

• 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.
• Daily cash advance
  Use your Gold Credit Card to get up to £500 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
• Royalties - get more from your credit card
  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.

• Read the rates and fees for more information

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

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 over1,600 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.

• 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.
• Travel advice and help - get advice on visas, passports, health and vaccinations before you travel. While you're away, get medical supplies or documents forwarded.
• Overseas medical help - need medical treatment overseas? If you fall ill or have an accident and need immediate treatment, we can arrange essential medical transport, and your dependant children can be returned home.
  

• Royal Bank Wine Club
  Special offers for cardholders, and sometimes free gifts too
  
  For more details or to register please call 0870 442 1138

• Show me the rates and fees of the Gold Credit Card

• Show me the legal information for the Gold Credit Card

The Royal Bank of Scotland Gold card is available subject to approval to anyone aged 21 or over and earning at least £20,000 p.a. If you apply for a Gold card, we reserve the right to issue you with The Royal Bank of Scotland Classic Card, with the same APR and no annual fee, if you do not qualify for a Gold Card. 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).

• Please also read our website terms and conditions which cover your use of this website