How to Apply for a Royal Bank of Scotland Credit Card

Royal Bank of Scotland is known to offer some amazing financial products and services for UK citizens. Among them is the Royal Bank credit card, which comes with a host of benefits and features.

The Royal Bank credit card is an easy-to-use card that can prove to be of great utility, no matter how big or small your financial needs are. Furthermore, the fee structure and interest rates associated with the card are really impressive.

In this article, we discuss in detail the features of the Royal Bank credit card offered by the Royal Bank of Scotland and inform you how to apply for one. Let’s get going!

How to Apply for a Royal Bank of Scotland Credit Card

Features of the Royal Bank Credit Card

Convenient Payments

Royal Bank of Scotland is known for excellent customer service, and it reflects very well in its credit card offering too. With this credit card, even the small everyday payments become extremely convenient to make. The card offers you multiple ways to make payments.

One, each of the Royal Bank credit cards is enabled for contactless payments at shopping centers, supermarkets, and grocery shops. Further, the card can be readily integrated with Apple Pay, Google Pay, and other payment interfaces.

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This means you no longer even need the card to make payments. All you have to do to tap your phone on the card reader to make a payment. Isn’t it amazing?

Easy Credit Installments

The Royal Bank of Scotland credit card comes very handy when you are making an expensive purchase and need to spread out the cost. With Royal Bank credit card, you can completely or partially avoid paying through your bank account, and rather have monthly installments through your credit card. It’s easy, simple, and reliable.

So in case you are planning an expensive holiday or looking to purchase a new appliance, the Royal Bank credit card can act as your savior.

Lock and Unlock Card Feature

There’s more to this card than just the ease of making payments and managing your money. Royal Bank credit card comes with some impressive security features as well. First and foremost, there are unbreakable authentication frameworks that protect all your payments.

Secondly, you have the option of locking and unlocking your card anytime you want. This way, no unauthorized payments can be made through your card. You can simply lock your card when not making any payments, and relax!

Pro-tip: All of these, and many more features of the Royal Bank credit card are accessible through the bank’s official mobile app. You can install it in your phone and enjoy its services to the full.

Steps to Apply

Royal Bank of Scotland has put in place a quick and simple application system for credit card applications, powered by cutting edge technology. This consists of quick tools that can help you generate your credit score, and even check the eligibility for the card within minutes.

One can break down the entire process of applying for a Royal Bank credit card into 3 simple steps.

Step 1

Visit the Royal Bank of Scotland official website for credit cards.

Step 2

Click on the ‘Check Your Eligibility’ option to quickly check if you are eligible to apply for the card. It takes just 2 minutes.

Step 3

If declared eligible, follow the prompts to apply for the card. You’ll be required to fill out a few basic details and produce your financial history documents before you can finally submit the application.

Fee and Interest Rates

The Royal Bank Credit Card comes with a well-balanced and competitive fee structure. For a Royal Bank Scotland Credit Card, you are charged the following.

  • No balance transfer fees or annual fees
  • No interest for up to 56 days on the purchases made
  • A variable interest rate of 9.9% p.a. to 18.9% p.a. thereafter
  • Cash advance interest rate of 16.9% 25.9%
  • Balance transfer interest rate of 6.9% 14.9%
  • Money transfer interest rate of 16.9% 25.9%
  • 3% cash handling fee
  • £10 returned payment fee
  • 3% foreign cash fee
  • £12 late payment fee
  • £12 over credit limit fee

Contact Details

Their address is 36 St Andrew Square, Edinburgh, United Kingdom, EH2 2YB. Their telephone number is 0370 907 0010.

How to Apply for a Royal Bank of Scotland Credit Card

Takeaway

The Royal Bank credit card is a pretty useful credit card option for anyone who is looking for a feature-rich and easy-to-use card.

Moreover, Royal Bank of Scotland, no doubt, is an established and credible organization in the domain of banking, and hence you can trust it with the service.

Disclaimer: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.

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