How to Apply for The Royal Bank Credit Card by RBS

Are you looking for a credit card that comes with unbeatable benefits? Just like it sounds, the Royal Bank Credit Card has proven over the years to be one of the leading credit cards on the market.

In this article I will take you through its features and benefits to help you determine whether this is the credit card for you.

Keep reading to learn more, including steps on how to apply today.

The Royal Bank Credit Card by RBS

Features and Benefits of the Royal Bank Credit Card

Love traveling and looking for the right credit card to take abroad with you? This is it. The Royal Bank Credit Card comes with no additional fees on transactions when you travel abroad. That alone will save you money.


When you apply for this Mastercard, you will also benefit from its all the time low-interest rates on purchases and balance transfers.

On top of this RBS doesn’t impose any charges on balance transfers from another card provider. So it’s an all-round win really.

With their contactless payment option, shopping has never been easier. Add your credit card to Apple Pay and seamlessly pay for your purchases in a flash with a quick tap of your smartphone.

If you’re on holiday, or simply don’t feel like leaving the house, you can register for internet banking and do all your banking online.

Eligibility and How to Apply for the Royal Bank Credit Card

Applying for this credit card is fairly straightforward and should only take you about 10 minutes, providing you are eligible. To qualify for this credit card, you must be 18 years of age and above, a resident of the UK and earning at least £10k per year.

If you tick these boxes you can head to the Royal Bank website and complete your application via the online form. After you have submitted the correct information and supporting documents, you can find out whether or not your application has been successful in as little as 5 minutes. It can’t get any easier than that.

If successful, the bank will determine your credit limit based on your credit rating and income. The minimum credit limit is £300.

The Royal Bank Credit Card Fees

  •  9.9% to 18.9% variable purchase APR based on your creditworthiness
  • 16.9% to 25.9% cash advance APR based on your creditworthiness
  • 6.9% to 14.9% balance transfer APR based on your creditworthiness
  • £0 annual fee
  • £12 late payment penalty fee
  • £12 over limit charge


If you are looking for a reliable low-interest credit card that will enable you to enjoy your time abroad without having to worry about the extra charges, head over to RBS and apply for The Royal Bank Credit Card today.