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Card options
- Platinum Credit Card
- YourPoints World MasterCard Special Offer
- YourPoints World MasterCard
- Student Credit Card
Other options
Existing customers
Useful information
YourPoints World MasterCard
0% on purchases and balance transfers for 13 months
Pay 0% interest on purchases for 13 months from account opening – and on balance transfers too. Thereafter the standard annual rate will be 17.9% p.a. (variable).
If you are aged over 18 and earn at least £10,000 a year, you could benefit from:
- 0% on purchases for 13 months from account opening. Thereafter the standard annual rate for purchases will be 17.9% p.a. (variable).
- 0% on balance transfers for 13 months from account opening (2.9% fee, min £5) on any balances you transfer within three months of opening your account. Thereafter the standard annual rate for balance transfers will be 17.9% p.a. (variable).
- 2,500 bonus RBS YourPoints that you can use towards flights, holidays and some great brands like M&S, Boots and Amazon.
If you pay your balance (and your previous month's balance) in full and on time each month, you'll enjoy up to 56 days' interest free credit on all purchases once the 0% introductory interest rate has ended.
We may end any introductory offer, including any balance transfer offer, if you do not pay on time or stay within the credit limit. Balance transfers are limited to 95% of the credit limit. If your new YourPoints World MasterCard has a limit of £2000, you could switch up to £1900. Balance transfers from other Royal Bank of Scotland Group cards are not permitted. Interest on fees and charges is payable in line with our terms and conditions.
RBS YourPoints
Earn points every time you make a purchase with your card. You’ll also receive 2500 bonus points when you take out a new card, and every year thereafter.
Exchange the points you earn for a huge choice of rewards from flights and holidays, shopping vouchers, or even spa experiences and theatre nights. Use your points at some great online and high street stores including ebookers, easyJet, M&S, Boots, Amazon and Harvey Nichols.
| Monthly spend | After 6 months | After 12 months | After 18 months |
|---|---|---|---|
| £500 | M&S £10 voucher (2,000 points) | Premiership Grounds stadium tour for two (5,800 points) | 2 x £20 Currys voucher (8,000 points) |
| £700 | 2 x £10 Boots vouchers or a £20 Homebase voucher (4,000 points) | 2 x £20 Amazon.co.uk vouchers (8,000 points) | Harvey Nichols £50 voucher (10,000 points) |
| £1,000 | Wines: Best selling Trio (5,270 points) | easyJet return flight Luton to Paris (11,100 points)* | Laurent-Perrier Brut NV Duo (14,595 points) |
| £1,500 | 2 x £20 Theatre tokens (8,000 points) | 3 Star Hotel by Spanish Steps in Rome (17,100 points) | Pampering spa day (20,200 points) |
| £2,000 | easyJet return flight Luton to Madrid (10,800 points)* | Supercar thrill gift voucher (20,200 points) | Air Malta return flight Gatwick to Valletta (30,900 points)* |
*These are sample flight prices were generated on 11 May 2011.. Actual prices may vary and are subject to availability
Prices are correct as of 11 May 2011
Special offers for RBS Credit Card holders
Fantastic discounts
Save money with a range of retailers when you spend on your RBS Credit Card. And benefit from discounts on thousands of holidays with the RBS Travel Service.
Take control of your card
Making bill payments easier
A Direct Debit means you’ll always pay your bill on time. Settle the balance in full or just make the minimum payment. We don’t recommend just making the minimum payment and you must have enough money in your account to pay your Direct Debit successfully.
Credit limit increase
You can ask us to review your credit limit after you’ve had your card for six months.
Move funds to a bank account
You can transfer money from your YourPoints World Credit Card to any UK bank account. You’ll pay the money transfer interest rate from the date of the transfer. The minimum transfer is £250.
Cash advance
Your YourPoints World Credit Card gives you access to £750 a day, from cash machines around the world. The amount you can withdraw depends on your credit limit, and there's a 3% handling fee - a minimum of £3. There is no interest free period for cash advances.
Financial benefits
Interest-free period every month
If you pay your balance (and your previous month's balance) in full and on time each month, you'll enjoy up to 56 days' interest free credit on all purchases once the 0% introductory interest rate has ended.
No annual fee
We don’t send you a bill just for choosing a YourPoints World Credit Card. In fact, we’ll reward you with 2,500 bonus YourPoints every year instead.
1% discount on the APR
If you have a Royalties Gold account you are guaranteed a 1% discount on your APR for at least 12 months. Rates variable. The monthly fee for Royalties Gold is £12.95. To take advantage of this offer you must log in to online banking and apply by clicking on the ‘credit card’ link. If you don’t use online banking, call us on 0800 096 0220 to apply.
Family and friends
Add another cardholder
Who do you know that would really appreciate being on your credit card account? Just remember that although they’ll be able to spend on your account, you’ll always be responsible for the card.
Available to over 18s only.
Get more from your card with our online services
Online banking
If you use RBS online banking you can see basic details of your credit card usage, such as latest transactions and balance, alongside your other accounts.
You may need to add your credit card to the service. It’s easy – just select 'Add Credit Card' from the Admin area once you log in.
Credit Card Online Services
Get the most from your credit cards with online servicing. Now you can:
Stay up to date
- Set up alerts to let you know your balance and remind you when your payment is due
- See up-to-date balances and transactions
- Request a paper statement online
Make payments
- Pay a bill with your credit card
- Request a balance transfer
- Transfer money to another UK bank account
Manage your account
- Switch paper statements off and on
- Request a credit limit increase
- Apply for an additional cardholder
- Get a PIN reminder
- Change your address online
- View up to three months of transactions and view, download or save up to 18 months of statements
YourPoints World MasterCard
You can download the summary box for the YourPoints World MasterCard as a PDF.
You may need Adobe Reader to view this document. Get Adobe Reader.
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.
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.
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.
Card Protection Plus
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.
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.
The Royal Bank of Scotland plc. Registered in Scotland. No. 90312. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB.
