Digital Banking
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Isn’t it time for a more rewarding credit card?
Turn everyday spend into special treats
YourPoints World MasterCard
- 0% on purchases for 15 months from account opening
- 0% interest for 15 months on balances transferred within 3 months of account opening, (2.9% fee, min £5)
- Earn 1 point for every £1 on qualifying transactions. PLUS double YourPoints for 15 months from account opening
- 2,500 bonus points worth £12.50 every year
Representative example
- Representative APR: 16.9% APR (variable)
- Purchase rate: 16.95% p.a. (variable)
- Assumed Credit Limit: £1,200
The actual credit limit assigned to your account will vary depending on our credit assessment of you.
Collecting points is simple - earn 1 point for every £1 you spend. Plus for every year you’re a customer you’ll be rewarded with 2,500 loyalty bonus points.
And it’s really easy to redeem YourPoints - Take your pick from airlines, hotels, top retailers, theatre tickets and much more.
Want to know more about YourPoints?
Important information you should read before applying
0% on purchases for 15 months from account opening. 0% on balance transfers for 15 months from account opening (2.9% fee, min £5) on any balances you transfer within three months of opening your account. After this period, the standard annual rate for purchases and balance transfers will be 16.95% p.a. (variable).
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.
Interest on fees and charges is payable in line with our terms and conditions.
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.
The Royal Bank of Scotland plc. Registered in Scotland. No. 90312. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB.
Your Benefits
- Manage your card online
- Fraud protection alerts
- 24/7 telephone banking
- Fantastic discounts with MasterCard
- And more...
Your important documents
(These are for information only and do not replace the Terms and Conditions in the application process)
Application Checklist
Before you apply make sure:
- You have an income over £10,000 per annum
- You are aged 18 or over
- You are a UK resident
- You know your income, employer's name and employer's address
- You have your last three years address details
- You have not already applied for this card within the last six months
Ready to apply?
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Did you know?
- You earn 1 point for every £1 spent on qualifying transactions
You’ll also earn double YourPoints for the first 15 months after account opening.
- You won’t have to spend loads on your card to get a reward
A Vue cinema ticket could be yours from as little as 1,250 points. 2,000 points could get you a £10 shopping voucher to spend on anything you like from M&S, Boots, or amazon.co.uk. Remember, every year you get 2,500 bonus points, as well as 2,500 points when you open your account – that’s worth £12.50 every year.
- We have rewards from top high street and internet brands such as Sainsbury’s, Marks & Spencer, Boots and Amazon
If they’re not for you, you may wish to spend your points on wine from Laithwaites, luxuries from Harvey Nichols or towards a holiday with easyJet or eBookers. There’s something for everyone.
- Use YourPoints for almost anything our partners sell
Unlike some other reward programmes, when our reward brands have a sale, so does YourPoints. This means better value for you as you’ll use fewer points.
- There are fantastic rewards available to you
The average redemption has been 19,000 points – that’s equivalent to £95! Here are some examples of rewards based on monthly spend.
| Monthly Spend | After 6 months | After 12 months | After 18 months |
|---|---|---|---|
| £500 | 2 x Adult Vue Cinema tickets outside London (2,500 points) | Wine Trio (5,575 points) | £45 Boots voucher (9,000 points) |
| £700 | Health club day pass for 2 (3,800 points) | Deluxe Afternoon Tea for Two (7,390 points) | Deluxe Wine Mix 6 (11,700 points) |
| £1,000 | £30 Amazon.co.uk gift certificate (6,000 points) | £60 M&S voucher value (12,000 points) | Kids and Teens Gift Voucher (17,800 points) |
| £1,500 | Bottle of Laurent Perrier Champagne (9,000 points) | 4 star hotel by the Colosseum in Rome (17,600 points) | Dinner & Theatre Visit for Two (26,200 points) |
| £2,000 | Manchester to Amsterdam return flight with easyJet for 1 adult (12,000 points)* | Deluxe Wine Mix 12 bottle case (22,000 points) | London to Barcelona return flight with easyJet for 2 adults (33,000 points)* |
* These sample flight prices were generated on 5 February 2013.
Actual prices may vary and are subject to availability.
- There are almost one million YourPoints customers
And they’re reaping the rewards. As of January 2013, over £65 million worth of rewards have been redeemed already.
- We’ll remind you when you have points to spend
Worried about losing track of the reward scheme? Don’t be, our regular emails will keep you updated with your points balance so you can redeem at a time that suits you.
- We can help you stay on top of things
If you’re worried about controlling your balance - we can help. We offer free text alerts that let you know when you’ve reached a certain balance. You can also set up a Direct Debit that automatically clears your balance every month.
- We want to help you make the most of the reward programme
To get the most out of the programme, you should aim to pay your credit card balance in full each month. That way you’ll know that the benefit of your reward will always outweigh your interest costs.
- The YourPoints website is your gateway to the world of YourPoints
You’ll be able to see at a glance everything from your most up-to-date points balance to our latest deals and special offers. The website is the place to go whenever you want to browse for rewards, and if you see something you like, you can redeem the points you’ve earned there and then.
- Each time you use another card to pay for something you’re missing out on another opportunity to collect points
If you typically use your debit card to make purchases, large or small, they all add up and won’t earn you points. If you pay your credit card 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 introductory interest rate has ended. You’ll also receive purchase protection on goods and services that cost over £100.
The terms of the Bonus YourPoints Scheme (“the scheme”)
1. The terms of this scheme and all points credited under it are subject to the YourPoints terms and conditions.
2. 2,500 points will be credited to your YourPoints account within 30 days of the day you receive your YourPoints World MasterCard and on the anniversary of that day each year.
3. We may, at our reasonable discretion, refuse to award points under this scheme if: i) you breach your credit card agreement or the YourPoints terms and conditions; or ii) we suspend use of your credit card; or iii) you or we give notice to end your Credit Card Agreement.
4. We may vary or end this scheme by giving reasonable prior notice.