Platinum Credit Card

Don’t pay interest on your balance transfers for the next 20 months – and pay no interest on everyday spending for six months too.

Platinum Credit Card – main benefits

• 0% balance transfers for 20 months from account opening - if you switch your balances within 3 months of opening your account.
• 0% interest on purchases – for six months from account opening.
• 2.9% Balance transfer fee – (minimum £5)
• Royalties Gold customers will get an initial 1% discount on their APR for at least 12 months. Rates Variable. Monthly fee for Royalties Gold account is £12.95.
• ...and much more

Interest free credit
Interest free credit applies if you pay the balance in full and on time, and have paid the previous month’s balance in full and on time.

You’ll get up to 56 days’ interest free credit on purchases (please see summary box 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

Balance transfers are limited to 95% of the credit limit, so if your new Platinum Credit Card has a limit of £2,000, you could switch up to £1,900. Balance transfers from other Royal Bank of Scotland Group cards are not permitted.

Interest on fees and charges are payable in line with our terms and conditions

You’ll need to have an income of at least £10,000 and aged 18 or over to get the Platinum Credit Card.

This offer is only available for application online.

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

You could apply for our Platinum Card online today and take advantage of our great 0% balance transfer offer.

You must be aged over 18 and earning at least £10,000 to apply.

Please note that transfers from other Royal Bank of Scotland Group cards are not permitted.

• Purchases and balance transfers
  For 20 months from account opening you’ll pay 0% interest on your balance transfers providing you transfer your balance within 3 months of opening your account. Thereafter the standard annual rate for balance transfers will be 17.95% (variable).

  And for 6 months from account opening you could also pay 0% on your purchases. Thereafter the standard annual rate for purchases will be 17.95% (variable).

  There’s just a 2.9% fee when you transfer a balance, with a minimum of £5.

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

  Representative 17.9% APR (variable)

  This offer is only available online

• Transfer up to a limit of 95% of your credit limit
  Balance transfers are limited to 95% of the credit limit so, if your new Platinum Credit Card has a limit of £2000, you could switch up to £1900.

  Interest on fees and charges are payable in line with our terms and conditions.

• Interest-free credit
  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.
• Daily cash advance
  Use your Platinum Credit Card to get up to £750 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
• Royalties Gold - get more from your credit card
  Royalties Gold customers will get an initial 1% discount on their APR for at least 12 months. Rates variable. Monthly fee for Royalties Gold account is £12.95. 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 (Minicom 0800 028 5304) to apply. Calls may be recorded.
  
  If you apply by phone please be aware that a different offer could be available.

• Read the rates and fees for more information

• 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
  You can settle the balance in full, pay a fixed monthly amount or make the minimum payment. However, we don’t recommend that you only ever make your minimum payment and you must have sufficient funds to pay your direct debit successfully.
• Flexible credit limits
  Need a little bit of breathing space for your finances? After six months you can ask us to review your credit limit.
• Money transfers by phone
  Transfer money from your Platinum 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.

• 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 UK short breaks with Superbreak
  Superbreak is the UK's No.1 short break operator, providing accommodation 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.
• 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.

• 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.
• Travel advice and help
  Get advice on visas, passports, health and vaccinations. While you're away, get medical supplies or documents forwarded, a legal referral service and medical advice.
• Overseas medical help
  Need medical treatment overseas? If you fall ill or have an accident and need immediate treatment, we can arrange essential medical transport, and your dependant children can be returned home.
  

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

• Apply now for our Platinum Credit Card
• Show me the rates and fees of the Platinum 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

All customers will receive the introductory offer of 0% for 20 months on balance transfers.

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

• Platinum Credit Card Summary Box (PDF File 122KB)

Important information

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

Credit Card Applications including a Balance Transfer

It may take up to three weeks to process your application and for the payment to reach your other accounts. In this time you need to continue to make payments to your other cards to keep them up to date and avoid paying any penalty fees.

As the funds transfer process is currently taking 2 days longer than required we will be refunding 2 days interest to you for the Balance Transfer. This is to compensate you for 2 days interest that you may have been charged by your current provider(s). The interest refund is calculated at an annual interest rate of 29.9%. The refund will appear on your next statement, once the account has been approved and the transfer agreed.

Your APR

We use your application details and information obtained from credit reference agencies to decide the APRs we offer to individual customers. At least 51% of customers offered a credit card will receive our Representative 17.9% APR (variable). The standard interest rate for purchases and effective rates for balance transfers and money transfers for other customers will be either 18.9% p.a., 19.9% p.a. or 20.9% p.a.

• Apply now for our Platinum Credit Card
• Show me the Legal Information of the Platinum Credit Card

The Royal Bank of Scotland Platinum Card is available subject to approval. To apply you should have an income of at least £10,000 p.a. and be aged 18 or over. These services are for the attention of UK residents only and are only available in the UK. Please view the Summary Box for important information on interest and charges.

You can also view a sample copy of the Terms and Conditions (PDF 232KB). These are for information only and do not replace the Terms and Conditions in the application process.

Interest on fees and charges is payable in line with our terms and conditions.

This offer is only available online.

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.

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

Card Protection Plus insures and protects registered cards if they are lost or stolen. One free phone call will cancel all your cards and order replacements.

All your credit, store and debit cards can be registered, as well as those for up to four other adults, over the age of 18, in your household.

• Keyfacts about our Insurance Services, Policy Summary and Terms and Conditions (PDF 289KB)

What is covered?

If your cards are lost or stolen one phone call will cancel all your cards and order replacements.

Lock and key cover of up to £600 to replace your locks and keys if they are lost, stolen or damaged. Just notify Card Protection Plan Ltd, the insurer, within 24 hours of discovering your keys are lost or stolen and before you incur any costs.

Unauthorised transaction cover of up to £20,000 to cover lost or stolen cards that is not reimbursed by your card issuer (must be reported within 24 hours of discovering your cards are lost or stolen).

If they are lost or stolen when away from home you can apply for up to £5,000 emergency cash advance to help you get back on your feet, and up to £5,000 to pay for lost tickets and travel documents. You may also apply for up to £3,000 towards hotel bills if you are abroad whilst your cards go missing.

Cash advance is subject to status, interest-free and repayable within 28 days.

If your mobile phone is lost or stolen Card Protection Plus will cover up to £1,000 unauthorised use for the 12 hours before you report the loss and connect you to your network provider to lock the phone.

How much does it cost?

Protection for just £36.99 for one year or £89.99 for 3 years including Insurance Premium Tax. Interest, where applicable, will be charged in line with our terms and conditions.

Royalties Gold and Black account customers receive a form of card protection as part of their package. Monthly fee is £12.95 for Royalties Gold and £24 for Black account.

- Still not sure?
You can cancel the cover within 21 days of the start date and receive a full refund.

- How do I apply?
It’s easy – just select Card Protection Plus when you apply for your card online. Or you can apply later if you prefer by calling Card Protection Plan Ltd (the providers of this policy) on 0844 848 2914.

- Find out more.
Call Card Protection Plan Ltd (the providers of this policy) on 0844 848 2914. Terms, conditions and limitations may apply to various aspects of your cover – full details will be provided before you join.

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