Royalties Gold Credit Card

Take out a Royalties Gold Credit Card together with a Royalties Gold Account and you could get all the benefits of your Royalties Gold Account for up to £80 less after a year.

The Royalties Gold Credit Card is linked to a Royalties Gold Account; please speak to a Customer Adviser in branch if you need assistance to open one.

The more you spend on your purchases with your Royalties Gold Credit Card, the more Money Back you could receive. How much you get back after 12 months depends on the average monthly spend on purchases made with your card (see table below) but it could be as much as £80. This offer applies in the first year only.

Please refer to the Royalties Gold Credit Card Terms and Conditions important information about this offer.

Money Back will be credited to your Royalties Gold Account.

As a Royalties Gold Account customer you’ll get some great benefits including:

• Worldwide travel insurance
• Mobile Phone Insurance
• Identity Theft protection
• Green Flag Car Breakdown Insurance

• 0% interest on purchases for 6 months from account opening
• If you also have a Royalties Gold account, you get a 1% discount on our standard typical APR for at least 12 months giving you a ‘Typical 15.9% APR (variable)’

There must be a minimum average of £500 per calendar month credited to your Royalties Gold account. Our current monthly membership subscription is £12.95. Subscription correct as at 01/01/09.

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

• Show me all the benefits of the Royalties Gold 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? 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
  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 Royalties Gold Credit Card to any UK bank account. The minimum is £250 - and you just pay the usual purchase rate from the date of the transfer. Please refer to our rates and fees for further details

• Purchases and balance transfers
  Pay 0% interest on your purchases for a whole 6 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 if you do not pay on time or stay within your credit limit.

  Why not consolidate your existing debt into one easily manageable sum by transferring balances from your existing cards to your RBS Credit Card.

  You can transfer up to 95% of your credit limit so if your new card has a limit of £2,000 you could switch up to £1,900 of your existing balances. There is no fee, so your transferred balances will just be charged at your standard rate. Find out more about balance transfers – see our rates and fees.

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

  Typical 15.9% APR (variable)

  That’s a 1% discount on our standard typical APR for at least 12 months.

• 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 Royalties 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.
• No annual fee
• If you are a Royalties current account customer you are guaranteed a 1% initial discount on the 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:

• 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 accommodation at over1,600 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.
• Travel advice and help - get advice on visas, passports, health and vaccinations before you travel. While you're away, get medical supplies or documents forwarded.
• 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

• Show me the rates and fees of the Royalties 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 Royalties Gold Credit Card as a PDF.

• Royalties Gold Credit Card Summary Box (PDF File 29KB)

Important information

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

• Show me the legal information for the Royalties Gold Credit Card

The Royal Bank of Scotland Royalties 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 and who have a Royalties Gold Current Account. 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.

Please visit your nearest branch to apply.

Money Back Scheme Terms and Conditions

1. To open a RBS Royalties Gold Credit Card (the “Card”) you must be a customer of The Royal Bank of Scotland plc (“RBS”) with a Royalties Gold Account.
2. In order to qualify for an amount of money credited into your Royalties Gold Account (“Money Back”), as calculated in accordance with Clause 3 below, the Card must be linked to a Royalties Gold Account and there must be a minimum average of £500 per calendar month credited to your Royalties Gold Account. The average amount credited is the total credited to your Royalties Gold Account over the qualifying period (see Clause 3 below) divided by 12.
3. If you use the Card to make Purchases over a period of 383 days from the date that we open your Card (“qualifying period”), then at the end of the qualifying period a Money Back will be calculated according to the Average Monthly Spend on Purchases as follows:

The Average Monthly Spend is your total spend on Purchases over the qualifying period divided by 12.

1. Purchases, for the purposes of these terms and conditions are purchases made on the Card and do not include a) balance transfers; b) money transfers; c) advances (including but not limited to cash advances and gambling transactions); d) interest, fees or charges applied against your Card account; e) any purchase transaction which is the subject of a refund to your Card account (we will adjust the Money Back you have earned or subsequently earn to take into account any refund to your Card account).
2. Any Money Back will be applied and credited to your Royalties Gold Account within 60 days after the end of the qualifying period.
3. If you break any of the terms and conditions of the Card agreement with us or your Royalties Gold Account or there is suspected fraud involving the Card, PIN or password or involving your Royalties Gold Account, we reserve the right to postpone or cancel payment of any Money Back earned but not yet credited to your Royalties Gold Account.
4. Any Money Back earned but not yet credited to your Royalties Gold Account will be forfeited immediately in the event that:
   • we take steps to terminate the Card agreement because you break any of its terms and conditions; or
   • we are entitled to close your Royalties Gold Account immediately under its terms and conditions; or
   • you become bankrupt; or
   • you die; or
   • we take action against you to obtain payment under your Card agreement or under your Royalties Gold Account; or
   • you end your Card agreement with us; or
   • you close or downgrade your Royalties Gold Account.
5. On giving at least 30 days’ notice to you we may change these terms and conditions, the transactions that qualify for a Money Back, the amount of Money Back earned, when the Money Back is paid and how it is paid.
6. Credit facilities are available only to persons aged 18 years or over.
7. These terms and conditions are subject to the terms and conditions of the Card and the Royalties Gold Account.

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

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