Classic Credit Card

Save on balance transfers and purchases

If you're over 18 and earn more than £10,000, our Classic Credit Card is a simple way to manage your finances.

Overview
All the benefits
Rates and fees
Legal

Introductory Offers
For a whole 13 months from account opening, you'll pay 0% interest on your balance transfers.

And for six months from account opening, you could pay 0% interest on your purchases.

There’s just a 2.9% fee when you transfer a balance during the first three months, with a minimum fee of £5.

From time to time we may offer exemptions from the fee or a different fee in connection with a special promotion.

Typical 16.9% APR (variable).

The balance transfer fee will attract interest at the rate applied to purchases from the date charged until paid off. You can transfer up to 95% of your available credit limit. Transfers from other Royal Bank of Scotland Group card accounts are not permitted. Please note that if you take advantage of the 0% balance transfer offer and 0% purchase offer, your monthly payments will be used to pay off your balance transfer first.

Please note that if you take advantage of the 0% balance transfer offer and 0% purchase offer, your monthly payments will be used to pay off your balance transfer first.

At the end of the 13 months, your transferred balances will be charged at your standard balance transfer rates. Please refer to our rates and fees for more information.

Get more from our Royalties current account
If you also have a Royalties current account , you are guaranteed a 1% initial discount on our standard credit card rate for at least 12 months. Rates variable.
Show me all the benefits of the Classic Credit Card

Financial benefits

Interest-free for 13 months

For a whole 13 months from account opening, you’ll pay 0% interest on your balance transfers. You’ll also receive 0% on purchase for six months from account opening.

At the end of the applicable introductory period, your transferred balances and purchases will be charged at your standard rates. Please refer to our rates and fees for more information.

There's just a 2.9% fee when you transfer a balance in the first three months, with a minimum fee of £5.

Typical 16.9% APR (variable)
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.
£300 daily cash advance
Use your Classic Credit Card to get up to £300 each day (depending on your credit limit) from cash machines worldwide. Subject to a 3% handling fee with a minimum £3.00.
No annual fee

Manage your credit card

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? Pay off as much as you like each month - as long as you make the minimum payment. We do not 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 Classic 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.

Share the benefits

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

Special discounts

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

15% off at kitbag.com
Take your pick from big names like Adidas, Nike and Puma and more. You’ll be spoilt for choice with everything from football shirts and boots to training gear and leisurewear.
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 benefits

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.

Wine offers

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 Classic Credit Card

Summary Box
The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
APR	Typical 16.9% APR (variable)

Other Interest Rates	Introductory Rate	Monthly Rate	Annual Rate
Other Interest Rates	Introductory Rate	Monthly Rate	Simple	Effective
Purchases	8.9% for 9 months from account opening	1.31%	15.76% p.a.	16.95% p.a.
Balance Transfers	8.9% for balances debited to account in the first 3 months from account opening (this rate will apply for the life of the balance transfer	1.31%	15.76% p.a.	16.95% p.a.
Cash Advances	N/A	2.08%	24.90% p.a.	27.95% p.a.
Money Transfers	N/A	1.31%	15.76% p.a.	16.95% p.a.

Interest Free Period	Maximum 56 days for purchases if you pay your balance in full and on time, and have paid the previous month's balance in full and on time. No interest free period on cash advances, money transfers or balance transfers.

Interest Charging Information	The periods over which interest is charged are as follows:
Interest Charging Information	From	Until
Purchases	transaction date	repaid in full
Balance transfers	transaction date	repaid in full
Cash advances	transaction date	repaid in full
Money transfers	date debited to your account	repaid in full

Allocation of Payments	We will apply payments we receive to your account in the following order: Interest on special offers Other interest, any fee and charges Special offers Purchases and balance transfers Cash advances and money transfers See section 2(D)(c) of your Credit Card Agreement for full details.
Minimum repayment	Each month, the greater of: (i) 2.25% of the new balance shown on your statement, rounded down to the nearest pound or £5, whichever is more; or (ii) the amount you owe over your credit limit less any overdue amounts from previous statements. We do not recommend that you only ever make your minimum payment.
Amount of credit	Minimum £300, maximum £20,000. Subject to status.
Fees	No Annual Fee.
Charges	Cash advances (except gambling transactions): 3%, minimum £3. Transactions in foreign currencies (including purchase of foreign currency and travellers' cheques): 2.75%. Copies of statements: £3. Returned payment: £10. Returned promotional cheque: £12.
Default charges	Over limit: £12. Late payment: £12.

Show me the legal information for the Classic Credit Card

The Royal Bank of Scotland Classic 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.

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.

To complete an application you should have the following: Income details, Bank or Building Society details, Employer's name, address and telephone number, Details of a previous address if you've lived at your current address for less than two years, and Details of other credit or store cards (should you wish to transfer a balance to RBS).

For more product information or to request an application pack call 0800 16 16 16 (Textphone users call 0870 154 1192).

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