Tell me moreBlack Account benefits
All benefits available
Private Black Credit Card
The no fee card that helps you earn great rewards
Our Private Black Credit Card is available to Black Account customers only. There is no annual fee with a Private Black Credit card, you’ll earn 1.25 RBS YourPoints for every £1 you spend on qualifying purchases and enjoy a range of offers.
Representative Example:
Representative 14.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 14.94% p.a. (variable).
Please note: In the Representative Example we have used an assumed credit limit of £1,200. The actual credit limit assigned to individual accounts will vary depending on our credit assessment of you.
Pay 0% on balance transfers for 18 months from account opening (2.9% fee - minimum £5). Thereafter the standard annual rate for balance transfers will be 14.9% (variable). Balance transfers are limited to 95% of the credit limit.
If you take advantage of the balance transfer offer and also make purchases with your card, your monthly credit card payment will be used to pay off your balance transfer first
0% on purchases for 6 months from account opening. Thereafter the standard annual rate for purchases will be 14.9% (variable).
Credit limit - a minimum of £5,000.
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 need to have a Black Account to apply for a Private Black Credit Card. Over 18s only.
The no fee card that helps you earn great rewards even faster
The Private Black Credit Card earns 1.25 RBS YourPoints for every £1 you spend on qualifying purchases, making it our best card for rewards.
- Accepted at millions of outlets worldwide – wherever you see the MasterCard symbol.
- Up to 56 days’ interest free credit on purchases – if you pay your balance (and your previous month's balance) in full and on time each month.
- RBS YourPoints – where you can earn great rewards.
- Great offers – such as spa days, golfing breaks and invitation only events.
- No annual fee – you’ll not be charged just for having a Black card.
Earn RBS YourPoints every time you spend on your card
You’ll earn 1.25 points for every £1 you spend on qualifying transactions – the Private Black Credit Card is our highest points earning card.
You can exchange the points you earn for a huge choice of rewards from flights and holidays, shopping vouchers, or even spa experiences and theatre nights.
- Shopping vouchers – for top UK brands including, Marks & Spencer, Amazon.co.uk, Boots and Harvey Nichols.
- Travel and holidays – through our travel partners easyJet and ebookers.com you can choose from over 100 airlines, 56,000 hotels and many leading car hire companies. What’s more, there’s no date restrictions and when our partners have a sale, you can travel for fewer points, subject to availability.
- Great days out – Use your points to treat yourself to a luxury spa day or a family day out. With choices ranging from trips to the theatre to adrenaline fuelled racing days, the possibilities are endless.
- Quality wines – For wine lovers there’s also the option to redeem points for some excellent wine selections.
And a range of great offers
As a Private Black Credit Card holder, you’ll also have access to a great range of special offers. These offers are constantly changing but could include:
- Special access to many major sporting and cultural events.
- Partner offers such as sports hire car services and spa breaks.
- Golfing breaks and other holiday offers.
You can apply for a Private Black Credit Card by phone or by contacting your Private Banking Manager.
Apply by phone
Get in touch with your Private Banking Manager or call us on 0845 30 30 600. Minicom 0845 900 5960. Calls may be recorded.
If you don’t meet these criteria, we offer a wide range of other credit cards.
You can download the summary box for the Private Black Credit Card as a PDF.
Don’t have Acrobat Reader?
RBS is not responsible for the content of external websites.
The Private Black Credit Card is available subject to approval, only to existing Black Account customers. Customers need to be aged 18 or over. This card is for UK residents only and is only available in the UK.
Please view the Private Black Credit Card Summary Box (333KB, PDF file) for important information on interest and charges.
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 information you provide on your application 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.
