Tell me morePrivate Banking Credit Card
Credit Cards
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 above 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.
Take advantage of a discounted rate with a card exclusively for Private Banking customers.
Important Information
RBS Private is available to all customers with a sole income of over £100,000 (or joint income of £150,000) paid into your RBS account or savings of over £50,000 held with us.
- A great 0% balance transfer offer for 13 months from account opening (2.9% fee - minimum £5). Thereafter the standard annual rate for balance transfers will be 14.94% (variable). Balance transfers are limited to 95% of the credit limit.
- 0% on purchases for 6 months from account opening. Thereafter the standard annual rate for purchases will be 14.94% (variable).
- Security as standard - identity theft helpline, internet fraud protection and fraud warning alerts
- £5,000 minimum credit limit
- Up to 3 additional cardholders
You can download the summary box for the Private Banking Credit Card as a PDF.
- Private Banking Credit Card Summary Box (PDF File 31KB)
Important information
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 from other Royal Bank of Scotland Group cards are not permitted. Interest on fees and charges are payable in line with our terms and conditions.
The RBS Private Banking Credit Card is available subject to approval, only to persons aged 18 or over and eligible for Private Banking. These services are for the attention of UK residents only and are only available in the UK. Please view Summary Box (link as above) 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.
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.
