RBS Gold credit card

	Card Name	RBS Gold credit card
	Card Type	MasterCard
	Card Issuer	Royal Bank of Scotland
	Exclusive Features	Get access to excellent rates

Eligibility

Minimum Age	21 years or over
Minimum Income	earn more than £20,000
Application Status	You must have a residential UK address and have a legal right to reside within the UK - Proof of ID required - Credit check done -

Type of card - MasterCard

The RBS Credit Card is a MasterCard card - It can be used at over 25 million locations worldwide also with over 1 million ATM in over 210 countries whereever you see the MasterCard - Maestro or Cirrus acceptance sign.

RBS Card Fees

Card Application Fee	FREE
Card annual fee	FREE
Card Limit	Minimum initial credit limit is £300 and maximum is £20,000.
Interest Free Period	56 days
Minimum payment	Greater of 2.25% of your balance (rounded down to the nearest pound) or £5 each month.
Late Payment charges	£12 if the account is over the credit limit at any time during the statement period or if you fail to pay on time; administration fee of £10 to process dishonoured cheque or direct debit; administration fee of £12 to return unpaid promotional cheque to prevent you going over your limit

 

Introductory offers - APR	Intro Rate	Intro Period	Annual Rate
Purchases	0%	6 months	13.90%
Balance Transfer	0%	13 months	13.90%
Cash	n/a	n / a	24.90%
Balance Transfer details
Fee percentage	2.9%
Minimum fee	£5.00
maximum fee	2.9% handling fee

Rewards - Features and Benefits

Partner benefits
Travel benefits
Free payment protection
Free purchase protection
Free price protection
Free warranty cover
Travel insurance protection
Earn Airmiles
Contributions to Charity
Online Access

Charges -

Cash Withdrawal

Cash advances (except gambling transactions) subject to a handling fee of 3% with a minimum of £3.00; Balance transfers subject to a fee of 2.9% (min £5) during the first three months from account opening unless you qualify for exemption from that fee or are notified of a different fee under the terms of a special offer we make in connection with your application; 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

Allocation of payments

We will apply payments we receive to your account in the following order: Interest on special offers Other interest, any fee and charges Special offers Purchases and balance transfers Cash advances and money transfers

Additional Benefits -

 

Issued By:
The Royal Bank of Scotland plc, Registered in Scotland No 90312. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB. RBS is authorised and regulated by the Financial Services Authority. The Bank is entered in the FSA's Register and its Register number is 121882. The FSA's Register can be accessed at www.fsa.gov.uk/register/ . The Bank's registered VAT number is GB 243852752.

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