A low rate credit card to help with your everyday spending

The most common way to pay is by Direct Debit. Once you’ve set it up, the payment will be taken automatically each month from your chosen bank account. You can choose to pay the minimum amount, the minimum payment plus,  a fixed amount or your full credit balance every month. 

You can also make a payment in the mobile app or digital banking.

If you want to understand how quickly you could clear your balance, use our repayment calculator.

Things to remember

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

If you’re late paying, we’ll charge you a fee of £12. That’s why setting up a Direct Debit makes sense – you’ll never be late paying again. We get that little mistakes are easy to make, so if you miss your payment due date by just one day, we won't charge you the late payment fee.

Over your limit

If you go over your limit we’ll charge you a fee of £12. If you only go over your limit by £12 or less, we won’t charge you. A good way to avoid going over your limit is to log onto Royal Bank Online Banking or fire up our mobile app and check you balance before you make your next card purchase.

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.

Apple Pay and Google Pay™ allow you to make a contactless payment in shops, because all your card details are securely stored within your device. To make a payment, simply touch your device to the card reader, and you’re ready to go.

Learn more about Apple Pay
Learn more about Google Pay

Remember, all our credit cards are contactless too. It’s a super quick and hassle-free way to pay for items.

What you should know

Apple Pay is available on selected Apple 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.