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Student Credit Card

Student Credit Card

Designed for student life

Want to keep a lid on your finances? A maximum credit limit of 500 could help.

Representative 18.9% APR (variable)

It's a credit card designed especially for the way you live your life. Available exclusively to Student current account holders. Over 18s only.

Student Credit Card - main benefits

  • Keep spending under control - with a maximum initial credit limit of 500
  • Make payments easy - with a Direct Debit you'll never miss a payment, or be charged a late fee
  • No annual fee
  • ...and much more

Interest free credit
You'll get up to 56 days' interest free credit on purchases (see rates and fees for details), comprehensive cover against online fraud and identity theft.

Financial benefitsFinancial benefits

  • Up to 56 days interest-free credits 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.
  • Cash advance
    Get up to 250 each day (depending on your credit limit) from cash machines worldwide.
  • No annual fee
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Manage your cardManage your card

  • Control your credit card online
    Check your balance whenever it suits, from almost any computer - PC or Apple Mac.
  • Manageable credit limit
    With a maximum credit limit of 500, you always know where you stand.
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More than just convenience

Stay safe online with our internet shopping guide.

Protect your card from fraudsters, with our credit card security guide.

We offer two ways to manage your credit card online, RBS online banking (where you can manage your bank account and RBS bank account together) and Credit Card Online Services.

Credit Card Online Services is the complete way to manage your credit card online and lets you do more.

Online BankingCredit Card Online Services
Get up to date balances and pay your bill
Switch off paper statements
Save paper and switch to online statements
View transactions online
View earlier transactions
4 months 18 months
Free email/text alerts
Reminders of your balance and when payments are due
Manage personal details
Change your address and contact details online
Sign up now
Find out more
Sign up now
Find out more

Introductory and special offers

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

Student Credit Card

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

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.

The Royal Bank of Scotland Student MasterCard is available subject to approval, only to persons aged 18 or over who have a RBS Student current account. These services are for the attention of UK residents only and are only available in the UK. Please view the Summary Box (PDF, 80KB) 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.

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

The Royal Bank of Scotland plc. Registered in Scotland. No. 90312. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB.