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Platinum Credit Card
A card to match your status
Over 25 and earn more than £25,000? The Royal Bank of Scotland Platinum Credit Card comes with valuable benefits.
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Introductory Offers For a whole 13 months from account opening, you'll pay 0% interest on your balance transfers.
And for six months from account opening, you could pay 0% interest on your purchases.
There's just a 2.9% fee when you transfer a balance during the first three months, with a minimum fee of £5. From time to time we may offer exemptions from the fee or a different fee in connection with a special promotion.
Typical 15.9% APR (variable).
The balance transfer fee will attaract interest at the rate applied to purchases from the date charged until paid off. You can transfer up to 95% of your available credit limit. Transfers from other Royal bank of Scotland Group card accounts are not permitted.
Please note that if you take advantage of the 0% balance transfer offer and 0% purchase offer, your monthly payments will be used to pay off your balance transfer first.
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At the end of the applicable introductory period, your transferred balances and purchases will be charged at your standard rates. Please refer to our rates and fees for more information.
Ease your travel worries From arranging vaccinations to getting legal help on holiday, we can help.
- Show me all the benefits of the Platinum Credit Card
Financial benefits
- Interest-free for 13 months
For a whole 13 months from account opening, you'll pay 0% interest on your balance transfers. You'll also receive 0% on purchases for six months from account opening.
At the end of the applicable introductory period, your transferred balances and purchases will be charged at your standard rates. Please refer to our rates and fees for more information.
There's just a 2.9% fee when you transfer a balance during the first three months, with a minimum fee of £5.
Typical 15.9% APR. - 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. - Daily cash advance
Use your Platinum Credit Card to get up to £750 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
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
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 Platinum 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.
Share the benefits
- Add a cardholder for free
Would your spouse, partner or a close friend enjoy the benefits of your credit card?
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.
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. - Travel advice and help
Get advice on visas, passports, health and vaccinations. While you're away, get medical supplies or documents forwarded, a legal referral service and medical advice. - 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.
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
| Summary Box | |
|---|---|
| The information contained in this table summarises key product features and is not intended to replace any terms and conditions. | |
| APR | Typical 15.9% APR (variable) |
| Other Interest Rates | Introductory Rate | Monthly Rate | Annual Rate | |
|---|---|---|---|---|
| Simple | Effective | |||
| Purchases | 0% for 6 months | 1.240% | 14.880% p.a. | 15.938% p.a. |
| Balance Transfers | 0% for 13 months (on balance transfers made within the first 3 months) | 1.240% | 14.880% p.a. | 15.938% p.a. |
| Cash Advances | N/A | 2.075% | 24.900% p.a. | 27.948% p.a. |
| Money Transfers | N/A | 1.240% | 14.880% p.a. | 15.938% 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 free period on balance transfers only applies to the introductory period. |
|---|
| Interest Charging Information | The periods over which interest is charged are as follows: | |
|---|---|---|
| From | Until | |
| Purchases | transaction date | repaid in full |
| Balance transfers | transaction date | repaid in full |
| Cash advances | transaction date | repaid in full |
| Money transfers | date debited to your account | repaid in full |
| Allocation of Payments | We will apply payments we receive to your account in the following order:
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|---|---|
| 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.
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| Amount of credit |
Minimum initial credit limit is £300 and maximum is £20,000. All other credit limits (including the maximum available) are subject to status.
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| Fees |
No Annual Fee.
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| Charges |
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.
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| Default 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.
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The Royal Bank of Scotland Platinum card is available subject to approval to anyone aged 25 or over and earning at least £25,000 p.a. If you apply for a Platinum 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 Platinum 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