Gold Credit Card

A Gold Credit Card could help you to shrink the size of the balance on your credit card.

Gold Credit Card – main benefits

• Balance transfers - switch your balances within three months of opening your account, pay 8.9% p.a. until the balance transfer is paid off
• Reduce your balance – every six months, we’ll pay 2% of the value of your remaining transferred balances to your account
• Day-to-day spending – pay 8.9% p.a. on everyday purchases for nine months from account opening
• No balance transfer fee – no annual fee either, and a Typical 16.9% APR (variable)
• ...and much more

Interest free credit
You’ll get up to 56 days’ interest free credit on purchases (see rates and fees for details), comprehensive cover against online fraud and identity theft.

We may end any introductory offer, including any balance transfer offer, if you do not pay on time or stay within your credit limit.

• Apply now for our Gold Credit Card
• Show me Gold Credit Card features and benefits

• Control your credit card online
  Check your balance whenever it suits - and pay your balance from almost any computer - PC or Apple Mac.
• Pay by Direct Debit
  Why worry about late payments? You can settle the balance in full or make the minimum payment. However, we don’t recommend that you only ever make your minimum payment.
• Flexible credit limits
  After six months you can ask us to review your credit limit.
• Money transfers by phone
  Transfer money from your Gold Credit Card to any UK bank account. The minimum is £250 - and you just pay your money transfer rate from the date of the transfer. Please refer to our rates and fees for more information.
  

• Balance transfers
  

  Transfer any balances you have to us in the first 3 months from account opening and pay just 8.9% p.a. for life of balance and, every 6 months thereafter we will give you a 2% payment back.

  What’s more, there’s no balance transfer fee!

  The 2% payment is calculated on the outstanding amount of those balances transferred in the first 3 months.

  Please refer to the balance transfer rebate scheme terms and conditions for important information.

  Balance transfers are limited to 95% of your available credit limit so if your new card has a limit of £2000 you could switch up to £1900 of your existing balances. Transfers from other Royal Bank of Scotland Group cards are not permitted.

  Please note that if you take advantage of the 8.9% p.a. balance transfer offer and the 8.9% p.a. purchase offer your monthly payments will be used to pay off your balance transfer first.

• Purchases
  Pay a low rate of just 8.9% p.a. on all you purchases for a whole 9 months from account opening.

  After the introductory period your purchases will be charged at your standard rate. Find out more about purchases – see our rates and fees.

  We may end any introductory offer, including any balance transfer offer, if you do not pay on time or stay within your credit limit

• £500 daily cash advance
  Use your Gold Credit Card to get up to £500 each day (depending on your credit limit) from cash machines worldwide. Subject to a 3% handling fee with a minimum £3.00.
• Up to 56 days' interest-free credit on purchases
  If you pay the balance in full and on time and have paid the previous month's balance in full and on time.
• No annual fee

• If you are a Royalties current account customer you are guaranteed a 1% discount on the standard typical APR for at least 12 months. Rates variable. Please log in to online banking and apply using the ‘credit card’ link to take advantage of this offer online. If you do not use digital banking, please call us on 0800 072 1999 to apply.

• Add a cardholder for free
  Would your spouse, partner or a close friend enjoy the benefits of your credit card?

We have great pleasure in offering our MasterCard holders these great discounts:

• 10% off all products from HP UK
  Choose from a great range of PCs, Printers and Accessories from HP
• 20% off at Buyagift.com
  Choose from a range of over 2000 amazing gift ideas from Ferrari driving or spa breaks to flowers, hampers and chocolates.
• 10% off UK short breaks with Superbreak
  Superbreak is the UK's No.1 short break operator, providing accomodation at over 1,600 hotels across the country. Whether you're heading for the bright lights of the city or a rugged coastal adventure, Superbreak offers everything from 2-star economy to 5-star luxury.

• Travel bookings
  Organise your holiday or business travel with a single phone call. There are discounts on advance bookings, last-minute bargains and on almost everything else - from flights to airport car parking.
  

• Royal Bank Wine Club
  Special offers for cardholders, and sometimes free gifts too.
  
  For more details or to register please call 0870 442 1138

• Show me the rates and fees for the Gold Credit Card

We may end any introductory offer, including any balance transfer offer, if you do not pay on time or stay within your credit limit

You can download the summary box for the Gold Credit Card as a PDF.

• Gold Credit Card Summary Box (PDF File 31KB)

Important information

Balance transfers from other Royal Bank of Scotland Group cards are not permitted.

• Show me the legal information for the Gold Credit Card

The Royal Bank of Scotland Gold card is available subject to approval, only to persons with an income of at least £10,000 p.a., and aged 18 or over. These services are for the attention of UK residents only and are only available in the UK. Please view Summary Box for important information on interest and charges.

This offer is only available for application online.

Balance Transfer Rebate Scheme Terms and Conditions

1. In order to qualify for the Balance Transfer Rebate ("the Rebate"), one or more balance transfer transactions must be debited to your credit card account ('your account') in the first 3 months from account opening.
   
   Please see Other Financial Information 2(B) of your credit card account terms and conditions ('credit card agreement') for details of the interest rate that applies to balance transfers.
2. Any balance transfers debited to your account during the first 3 months from account opening (the 'Qualifying Balance') will be eligible for the Rebate. Balance transfers debited to your account after the first 3 months from account opening will not be eligible for the Rebate.
3. Balance transfers are limited to 95% of your credit limit. You will receive details of your credit limit with your card.
4. The Rebate will be a sum equal to 2% of such part of the Qualifying Balance that remains outstanding, as follows (i) on the date of your 8th statement from account opening, and (ii) on the date of every 5th statement thereafter. The statement date will appear at the top of your credit card statement and will remain fixed unless you elect to change your statement date. If you change your statement date, the Rebate will be calculated on your new statement date.
5. The Rebate will be paid in the form of a credit to your account and will appear on your following month's credit card statement.
6. Balance transfers for the purposes of the Rebate will have the meaning set out in your credit card agreement.
7. If you break any terms and conditions of the credit card agreement with us, we reserve the right to (a) postpone or cancel payment of any Rebate earned but not yet credited to your account and (b) reduce or end any future Rebate.
8. In the event that we take steps to terminate your credit card agreement, any Rebate earned but not yet credited to your account will be forfeited immediately. We may do this if you break any term of your credit card agreement, you become bankrupt, you die, we take action against you to obtain payment under your credit card agreement or you end your credit card agreement with us.
9. On giving 6 months' notice to you, we may terminate the Rebate scheme and, on giving 30 days' notice to you, we may change these rules, the transactions that qualify for the Rebate, the rate at which the Rebate is earned, when the Rebate is paid and how it is paid to your account.

We may end any introductory offer, including any balance transfer offer, if you do not pay on time or stay within your credit limit

The application process takes place within a secure Web site. All information submitted is protected by strong security techniques including 128-bit encryption so that it cannot be read by others.

The information you provide will be subject to a credit search with a credit-scoring bureau. Each time a credit search is conducted it is recorded against your details held at the credit-scoring bureau.

• Please also read our website terms and conditions which cover your use of this website