Student Credit Card

Student Credit Card

The credit card designed
for student life

Food. Clothes. Books. When you add up all the expenses of student living, a little bit of flexibility in your finances could go a long way.


Up to 56 days' interest free credit on our Student Credit Card should come as good news (if you pay the balance in full and on time and have paid the previous month's balance in full and on time)

Balance Transfers on Student Credit Card accounts are not permitted

Typical 18.9% APR (variable).

  • Sensible credit limit

    Worried about taking on more than you can cope with? It's good to know there's a maximum credit limit of £500.

  • Save at Firebox, Kitbag, Snapfish, MyMovieStream and Lonely Planet

    From hot games and gadgets, sporting gear and DVD rentals, to digital photos and guides from the biggest name in travel. There’s a great range of savings with our Student MasterCard.

  • Show me all the benefits of the Student Credit Card

Financial benefits


  • Up to 56 days interest-free credits 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.
  • Cash advance
    Get up to £300 each day (depending on your credit limit) from cash machines worldwide.
  • No annual fee
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Manage your card


  • Control your credit card online
    Check your balance whenever it suits, from almost any computer - PC or Apple Mac.
  • Manageable credit limit
    With a maximum credit limit of £500, you always know where you stand.
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Special discounts


  • Kitbag.com
    15% discount on sports goods from big names like Adidas, Nike, Puma and more, from one of Europe's largest online sports retailers.
  • Firebox.com
    £5 voucher to spend on the huge range of gadgets, games and quirky gifts from Firebox.
  • Snapfish
    30 free prints of your digital photos and 15% off photo gifts like cards and mugs - from HP's digital photo printing website.
  • MyMovieStream
    1 month of free DVD rentals when you subscribe to any DVD rental package.
  • Lonely Planet
    25% discount on any of the Lonely Planet titles every time you spend £10 or more. Where will you head first?
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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.

    For more details of any of the benefits please contact your branch.
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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 18.9% APR (variable)
Other Interest RatesIntroductory RateMonthly RateAnnual Rate
SimpleEffective
PurchasesN/A1.456%17.472% p.a.18.941% p.a.
Cash AdvancesN/A2.075%24.900% p.a.27.948% p.a.
Money TransfersN/A1.456%17.472% p.a.18.941% 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 or money transfers.
Interest Charging InformationThe periods over which interest is charged are as follows:
FromUntil
Purchasestransaction 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
  5. Cash advances and money transfers
See section 2(D)(b) of your Credit Card Agreement for full details.
Minimum repayment
Greater of 2.25% of your balance (rounded down to the nearest pound) or £5 each month. Please note: we do not recommend that you only ever make your minimum payment.
Amount of credit
Maximum initial credit limit of £500. All credit limits are subject to status.
Fees
No Annual Fee.
Charges
Cash advances (except gambling transactions) subject to a handling fee of 3% with a minimum of £3.00; Foreign exchange transactions subject to conversion fee of 2.75% (including purchase of foreign currency and travellers' cheques); Copies of statements are subject to a fee of £3.
Default charges
£12 if the account is over the credit limit at any time during a statement period or if you fail to pay on time; administration fee of £10 to process dishonoured cheque or direct debit.

The Royal Bank of Scotland Student MasterCard is available subject to approval, only to persons 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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