How to Get a Royal Bank of Scotland Reward Credit Card

Have you been looking for a valuable credit card that gives you rewards for your spends?

With the Royal Bank of Scotland Reward Credit Card, you are likely to find the benefits and features that you want and need.

To know which offer is the best for you, read on below. You can also learn about terms of service and requirements for eligibility.

How to Get a Royal Bank of Scotland Reward Credit Card

Benefits and Features of a Royal Bank of Scotland Reward Credit Card

The Royal Bank of Scotland Reward Credit Card gives you 1% in Rewards every time you spend on supermarket purchases. You will also be given a 0.5% reward for petrol station transactions. Moreover, you are entitled to 1-15% in Rewards when you transact at partner MyRewards establishments and 0.5% anywhere else.

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You’ll also enjoy the fact that any annual fees will be refunded to you if you hold a Rewards current account!

When you accumulate five digits in Rewards, the bank offers three choices for redemption. You have the option to cash in, trade for vouchers from partner establishments, or donate your rewards to charity. With these choices, you can certainly make your credit banking a more fulfilling one.

This Mastercard offer is not only rewarding but also secure and hassle-free. You can arrange an automated payments system through its Installment Plans. It also gives you access to your account using their mobile and online banking services.

Eligibility and How to Apply for a Royal Bank of Scotland Reward Credit Card

If you are interested in applying for a Royal Bank of Scotland Reward Credit Card, keep in mind that you must be over 18 years old and a resident of mainland United Kingdom to be eligible. You must also have an annual income of GBP 10,000.

The bank will ask for personal, residential and employment information. Be ready to answer where you have resided for the past 3 years, as well as details regarding your bank account (income and outflow). For a smoother process, make sure to have proofs of identity, residence, and employment on hand.

For applications, you can visit the Royal Bank of Scotland website and use their online form or drop by a branch near you. According to their website, the process takes about 10 minutes and you can get a decision within 5 minutes. Your card will be issued in 5 to 7 working days.

You can apply for your desired credit limit, with a minimum of GBP 300. However, keep in mind that the bank will grant a credit limit that fits your creditworthiness. To know your credit score, you can use the bank’s eligibility checker.

Royal Bank of Scotland Reward Credit Card Fees & Charges

  • Annual fee: £24
  • APR: Representative 23.7% APR (variable) *Rates of 23.7% APR, 30.0% APR or 33.1% APR, depending on individual circumstances.
  • Purchases: 27.9% p.a.
  • Cash advances: 29.9% p.a.
  • Balance transfers: 27.9% p.a.
  • Money transfers: 29.9% p.a.
  • Non-sterling transaction fee: 2.75% of transaction
  • Late payment fee: £12
  • Over credit limit: £12

Royal Bank of Scotland’s Address & Contact Details

Address:  36 St. Andrew Square, Edinburgh EH2 2YB

To get in touch with Royal Bank of Scotland, call 0370 907 0010 (or +44 1268 508018 if you’re dialing from abroad).

Conclusion

There is nothing better than having a credit account that not only offers rewards but also provides security and peace of mind. With the Royal Bank of Scotland Reward Credit Card, you can take advantage of the perks of using this cashback card with ease and comfort. Simply head to the Royal Bank of Scotland website to get started!

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.

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