Explore your Reward Platinum benefits

• Worldwide travel insurance that covers you and your family for 31 days per trip (including winter sports).
• Cover for you, your partner and dependent children under 18 (or under 23 if in full time education) at the start of the journey. Children must be living at the home address (or with the other parent), and be neither married or in a Civil Partnership.
• Emergency medical expenses, cancellations, baggage and more.

Policy underwritten by U K Insurance Limited.

Things to remember

• Your partner is the person you, the account holder, live with at the same home address in a relationship, whether married or cohabiting.
• If you or your joint account holder are aged 70 or over, you’ll need to get in touch with us each year to get your cover, where there will be a £75 annual premium per person.

Before you travel

To find out if you can extend your travel insurance to include cover for any new or existing medical conditions please sign in and complete the online form.

If you wish to discuss how your insurance works, you can call us:

UK: 0345 609 0456 | Relay UK: 18001 0345 609 0456 | Monday to Friday, 8am-8pm | Saturday, 9am-5pm | Sunday, 10am-5pm.

Pre-existing medical conditions

Pre-existing medical conditions won’t be covered. You may have to pay extra for this or you may find that your condition cannot be covered. 

If our insurers U K Insurance Limited (UKI) are unable to offer you an upgrade to extend the level of cover you need, or your upgrade insurance premium is higher than you expected because you have medical conditions, help could still be available.

UKI have been working with the Financial Conduct Authority and MoneyHelper to create a directory that you can search when UKI are unable to help.

MoneyHelper Directory

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777 | Monday to Friday, 8am-6pm | Saturday, Sunday and Bank Holidays, closed.

How to make a claim

To make a travel insurance claim please sign in and complete the form online.

If you are injured or ill while you are away, call our Emergency Assistance Service:

UK: 0345 609 0456 | Relay UK: 18001 0345 609 0456 | Overseas: +44(0) 125 276 3659 | 24/7, 365 days a year. 

Full details on travel insurance

Book your travel through the Platinum Travel Service and receive:​

• Up to 10% off selected holidays and 5% off selected cruises.
• 10% discount on airport parking, airport hotels, airport lounge passes, car hire, transfers and attraction tickets.
• Complimentary airport lounge access for 2 when booking a flight or holiday abroad.

​There's no limit to the number of times you can use the service. ​

​Login to Membership Services

Things to remember

• You will not be charged a credit card or booking fee​.
• There's no limit to the number of times you may use the service​.
• Charges apply to cancellations or changes to bookings.

What you need to know

• Travel Service is being withdrawn from 1 March 2024, all new bookings must be made before this date.
• Find out more on Travel Service and other changes to benefits here.

Full details on Travel Service

• Use your debit card for purchases anywhere in the world without the worry of incurring extra charges or carrying around lots of cash.
• No non-sterling transaction fee when you make a payment using your Reward Platinum debit card outside the UK, or on any payment in a foreign currency.

Things to remember

• Not valid for ATM withdrawals. Other local fees may apply.
• We explain the charges for this at rbs.co.uk/travel along with tips for when you’re travelling abroad.

Full details on fee-free debit card purchases abroad

• You're automatically covered but we recommend you register your mobile phone to make the claims process quicker.
• Worldwide cover for your mobile phone against loss, theft, accidental damage or breakdown (after the manufacturer's or any other relevant warranty has expired). Please note if you're outside the UK we won't repair or replace your phone until you return.
• 2 approved claim during any 12 month period.  If this is a joint account, each account holder can make 2 approved claim.
• Standard accessories that are lost, stolen or damaged at the same time as your phone, are covered up to £250

Policy underwritten by American International Group UK Limited.

Things to remember

• There’s a £100 excess for each approved claim when your phone is replaced.
• There’s a £50 excess for each approved claim when your phone is repaired if you take your phone to our repair agent or our repair agent comes to your location to repair your phone.
• There’s a £100 excess when you mail your phone to us to be repaired.
• Phones with a screen size of 7 inches or greater aren’t covered.
• Covers the phone you use on a daily basis. If your account is in joint names, cover is also provided for the phone the other account holder uses on a daily basis.  There’s no cover for phones owned by your employer.

Make a claim 

• Claims are settled by replacing or, in certain circumstances, repairing your phone. We'll arrange a repair or replacement asap, so long as you're in the UK.
• Claims should be reported as soon as possible when theft, loss, damage or breakdown is discovered.
• Replacement phones are refurbished handsets in 'as new' condition using genuine manufacturer parts. 
• Repairs use genuine manufacturer or manufacturer quality parts.
• If your phone has been lost or stolen, you must report it to your network provider as soon as reasonably practical after the event.
• If your phone has been stolen, you must report it to the police and request a crime reference number.
• We won't pay any claim where you do not provide the IMEI number or the IMEI number you provide is currently recorded as lost or stolen.

Log a claim

Alternatively you can call us on:

UK: 0345 609 0456 | Relay UK: 18001 0345 609 0456 | Monday to Friday, 8am-8pm | Saturday, 9am-6pm | Sunday, 10am-5pm | Bank Holidays will be opened during the same hours noted, excluding Christmas Day and New Year’s Day.

Full details on mobile phone insurance

The AA provide our UK breakdown cover. If your car breaks down, you’re sorted.

• All your vehicles are covered - your policy covers any privately registered vehicle you travel in, anywhere in the UK. It also covers your vehicle if it is being driven by someone else with your permission.
• Roadside Assistance - anywhere in the UK.
• At Home - get help when your vehicle won't start at home.
• National Recovery - if the AA can't get your vehicle going, they'll take you and your vehicle to a destination of your choice.
• Onward Travel - if your vehicle can't be fixed at the roadside, the AA can help you complete your journey. This may be by arranging a replacement vehicle, booking you a night's accommodation or funding alternative transport costs (i.e. rail fares) where appropriate.
• Accident Assist - a 24/7 accident claims service. The AA will handle your insurance claim - at no additional cost - no matter which company insures you.

Policy is provided by Automobile Association Developments Limited (trading as AA Breakdown Services)

Things to remember:

• Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.
• Repeat call-outs for the same fault within 28 days won't be covered.
• All vehicles must meet legal requirements - insured, taxed and with a valid MOT.
• All vehicles must be within 3.5 tonnes and no wider than 2.55m.

Full details on car breakdown cover

Broken down and need assistance?

If you’ve broken down and need help, you can register and track this on the AA app or call us on:

UK: 0345 609 0456 | Relay UK: 18001 0345 609 0456 | 24/7, 365 days a year.

• Buy online through membership services and get great savings off the price of cinema tickets.
• Valid at over 250 UK cinemas including Vue, ODEON and Showcase.
• Great prices on cinema eCodes to redeem at one of many cinemas throughout the UK - any day, any time, any film.
• Prices depend on cinema chains and locations across the UK.
• You can buy up to 6 eCodes per booking, and book as many times as you want all year round.

Using your eCodes is easy

1. Sign in and select Cinema discount benefit.

2. Choose your cinema chain.

3. Purchase your eCodes.

4. Choose the film, date, time and seat you want when you use your eCodes either on the cinema’s website or at the Box Office.

Sign into Membership Services

Full details on cinema discount

• Exclusions on offers and available days may apply, check with participating restaurants.
• Where restaurants offer 50% off food or 25% off food and drinks they may limit the number of people; where restaurants offer 2 for 1 this does not include side dishes or extras.
• Remember to take your card or digital membership with you.
• Bookings must be made by the account holder and some restaurants may ask that you book in advance when using your tastecard.
• Digital memberships will be sent out to you via email or letter, close to the time your current membership expires. 
• You can request a plastic card or order a replacement tastecard for £15 (at your cost) by signing into your Membership Services.

Use your tastecard

Full details on tastecard

• Get £4 a month back in Rewards for 2 or more Direct Debits (2 of those Direct Debits needs to be at least £2 each).
• Get £1 a month back in Rewards with 1 mobile app log in.
• Earn at least 1% in Rewards by shopping at our partner retailers. 

• Redeem Rewards as cash which you can then transfer straight into your bank account or pay towards your Royal Bank credit card balance.
• Exchange your Rewards into money which is donated to one of our chosen charities.
• Trade up for eGift cards which you can use online or in store with our partner retailers.

You can see your MyRewards balance and exchange straight from the Royal Bank app with the touch of a button. There's no need to use a password. Simply tap the MyRewards tile then earn Rewards, exchange Rewards or view statement.