The card that rewards you for nipping to the shops

It's really simple: 5 Reward points equals £5 when redeemed.

Harvey Nichols, National Express and Europcar are just some of the retailers that offer at least 1% in Rewards. And when selected retailers make personalised offers, you could earn up to 15% in rewards.

We stay in touch via email to make sure you know about the latest offers and help you get the most out of your Reward credit card.

Something to keep in mind

All Rewards offers are subject to the retailers’ terms, conditions and exclusions. 

We give you choice when it comes to spending your Rewards. You can decide to:

Bank them

Convert your Rewards into money that can be paid straight into your bank account.

Trade up

You can use your Rewards to get gift cards from the selected partner retailers - sometimes you’ll even get gift cards of a greater value.

Donate to charity

We’ve got a range of charities that you can donate your Rewards to.

There is an annual fee attached to our Reward credit card, but if you have one of our Reward current accounts there’s no card fee.

Take a look at our Reward current account

What you should keep in mind

If you don’t have a Reward current account with us, you will be charged a £24 annual fee when you make your first transaction with your Reward credit card account (for example, by making a purchase or a balance transfer). You’ll then be charged this fee each year on the anniversary of that date.

We offer several ways for paying off your credit card. The most common way is to set up a Direct Debit. It makes payment easy by automatically deducting the amount for your account each month. You can decide to pay either a minimum, the minimum payment plus or fixed amount, or decide to settle the full credit balance every month.

You can also make a payment in the mobile app or Digital Banking.

Use our repayment calculator to see how quickly you could clear your credit balance by deciding to pay more than the minimum amount.

Use our repayment calculator.

What you should keep in mind

If you set up a Direct Debit for the minimum, minimum payment plus, fixed or full amount, the payment is claimed 25 calendar days from the statement date, or shortly afterwards.

Late paying

We charge £12 for late payments. Setting up Direct debit means you don’t have to worry about late payments. We know that little mistakes happen. And that’s why we waive the late payment fee if you’re one day late in paying.

Over your limit

If you go over your agreed limit by more than £12, we’ll charge you a fee of £12. We recommend logging  onto Digital Banking or opening up our mobile app to check your balance before making purchases. That way you’ll know how much you have left to spend.

For full details of fees, please see the Summary Box in the Ready to apply section below.

Like most UK credit cards, our range of cards offer 56 days interest free credit on purchases if you pay your balance (and your previous month's balance) in full and on time each month. That means if you want to make a large purchase, for example a holiday or a new gadget, a credit card could be a good way to help you buy now and spread the cost.

Instalment Plans

You will need the Royal Bank mobile app to set up, track and manage an Instalment Plan. Then, you can repay eligible credit card purchases or expired 0% balance transfer offers between £100 and £3000 inclusive. If Instalment Plans are available to you, we’ll let you know via our mobile banking app by adding an ‘eligible instalment plan flag’ to your transaction, or as a notification when your 0% balance transfer offer has expired.

With an Instalment Plan, you can:

• Pay back your purchase over a set period that suits you. This can be between 3 to 24 months.
• Avoid interest and pay a set fee each month instead. The fee could end up being cheaper than your standard credit card interest rate.
• Make an easy repayment budget by avoiding hidden costs.

Learn more about Instalment Plans and how to create one

What you should keep in mind

• Instalment Plans are for existing credit card customers only, eligibility criteria and monthly fees apply.
• To be eligible your transaction needs to be either on your latest statement or applied to your account since your last statement was produced. You cannot have a cash balance on your credit card account.
• Your monthly payments and fee will vary according to the size of your purchase and how long you’re taking out the plan for.
• The Instalment Plan counts as existing credit limit, which means you can’t free up additional funds by moving a purchase to an Instalment Plan. The Instalment Plan should be lower than your usual repayment interest on your card.

You can make contactless payments in shops with Apple Pay and Google Pay™. Your card details will be securely stored in your device so all you have to do is touch your device to the card reader and hey presto! Payment made.

Learn more about Apple Pay
Learn more about Google Pay

Our Reward credit cards are contactless, meaning you can make quick, no-fuss payments for items.

What you should keep in mind

Apple Pay and Google Pay available on selected devices.

We want to make managing your credit card simple and safe. If you have misplaced your credit card, you can lock and unlock it in the app. You can also use the app to request a PIN reminder or unblock your PIN. This feature applies to Mastercard credit cards only.

Setting a daily or monthly budget could help you manage your spending. You can also use the app to lock certain transaction types. If you accidentally go over budget, we’ll send you a notification as a wee reminder. Managing your card is simple too - you can set up a direct debit, check or pay off your balance, adjust your credit limit and much more.

You can get your credit score and view some of the key details that help to calculate your score all for free in the app, so it's easier to plan ahead. You can find it within your Profile and check it as many times as you like without it affecting your credit score. Credit score is available once opted in through the app, to customers aged 18+ with a UK address, and is provided by TransUnion.

Need a replacement card? No bother. If you have an iPhone, you can order a replacement for a lost or damaged credit card using the app. Select your credit card, tap ‘Manage my card’, then tap ‘Report lost, stolen or damaged’.

If you’re off globe-trotting, avoid those unexpected hitches by registering your travel plans through the app. This way, your card transactions are less likely to be flagged as suspicious or blocked while you’re abroad. You can create one travel plan at a time. Each travel plan can include up to seven countries and last for 90 days.