RBS Black credit card
RBS Credit Card
Royal Bank of Scotland can be undoubtedly termed as one of the most renowned and popular building societies of United Kingdom. It has always been a leading ambassador and played a fundamental role in initialising various financial policies in an effervescent manner.
RBS credit cards can mainly be distinguished into three categories - black card, Platinum card and Classic card.
The RBS Black credit card plays a pivotal role in reducing both credit card debts and the expenditures of our daily lives. A maximum number of 56 days have been allocated for the purchases if an individual pay his/her total balance within the scheduled period of time. However, there hardly exists any interest free period on cash withdrawals and balance transfers. It further offers the privilege of 0% facility on balance transfers and purchases for a fixed time period.
In a recent research it has been speculated that nearly two third of the credit card holders transferring 0% balance, has been successful enough in paying interest. With the advent of the RBS credit cards, paying massive interests is no longer a problematic issue.
In order to apply for the RBS credit cards, an individual must be eighteen years or above age and should definitely possess an annual income of more than £10,000 for the Classic card, £25,000 for the Platinum card and £75,000 for the Black card, accompanied with an exceptional credit history.
Again this card can also be used abroad as it deals with lower usage fees compared to the other ones. You won’t be charged with any kind of commission fee, while traveling in European countries and even in the Middle Eastern countries like Israel and Turkey only a standard 2.75% transaction charge while purchasing abroad, and including purchase of foreign currency and travellers’ cheques.
These credit cards are truly ideal not only for everyday spending, but also for paying balance transfers from any part of the world.
RBS Black Credit Card - Fees and Charges
Type of Credit Card: MasterCard
|Card Useage Charges|
|Representative APR (variable)||19.9%|
|Minimum Requirements and Charges|
|Minimum Age||25 yrs|
|Minimum Income Level||75k|
|Interest Free Period||56 days|
- Purchase annual interest rate 19.9% (variable)
- Representative 19.9% APR (variable)
Representative Example: If you spend £1,200 at an annual interest rate of 19.9% (variable) your Representative APR will be 19.9% (variable).
RBS Black Credit Card - Apply Online
You have chosen to apply for a RBS Black credit card, please ensure you meet the points below as this will make your application more likely to be approved.
1. Please Ensure That:
You are at least 25 Years of Age - You are a permanent resident/citizen of the UK
Have a regular income - Are not bankrupt or have any CCJ's
2. Proceed With Your Application
The above points are simply a guide to the minimum acceptance criteria for a RBS Black credit card. RBS will carry out a credit reference or other enquires in accordance with their lending procedures.
Once approved they will then send you a copy of a completed application form through the post in order to obtain your signature. Please ensure you read their terms and conditions and see a full list of charges. The decision to accept will only be made by RBS after they have taken your details, confirmed your ID and completed a credit check.