RBS Classic Card
Compare the RBS Classic Card with the UK's best credit cards, including card details, application criteria, introductory rates, rates, benefits and fees & charges.
 |  Compare RBS Classic Card details directly with other credit cards or compare credit cards using our credit card comparison tables. | ||
| Company: | Royal Bank of Scotland www.rbs.co.uk | ||
| Product: | Classic Card | ||
| Apply via this site: | Not available | ||
| Card Details | |||
 Card Issuer: | The card is issued by Royal Bank of Scotland. | ||
| Type: | This item is only available as a Mastercard | ||
| Application Criteria | |||
| Min Age (yrs): | Minimum age for applicants is 18 years. | ||
| Min Income (£pa): | Minimum income required is £10000 p.a. | ||
| Introductory Rates | |||
| Intro Bal Tran Rate AER: | No introductory rate for balance transfers available. | ||
| Max Bal Transfer Fee (£): | Unlimited | ||
| Intro Purchase Rate AER: | The introductory rates for purchases is 4.9%. | ||
| Rates | |||
| APR - Purchases: | The typical APR is 16.9% p.a. | ||
| Balance Transfer AER: | The annual rate for balance transfers is 16.9%. | ||
| Balance Transfer Fee (%): | Customers applying for a credit card over the Internet/Phone will be offered a 2.90% BT fee, (minimum £5). | ||
| Cash Advance AER: | The annual interest rate for cash advances is 27.9%. | ||
| Benefits | |||
| Cash-Back Reward: | A cashback reward scheme is not available. | ||
| Air Miles: | Air Miles are not offered. | ||
| Other Incentives: | Royal Bank of Scotland offer a PrivacyGuard Service which aims to assist customers in repairing their credit record when they have become victims of identity theft. PrivacyGuard includes an Identity Theft and Fraud Protection proposition powered by Experian. The service will help to protect consumers against identity fraud and assist them in recovering their identity in instances of fraud that occur - not just on their credit card, but on any financial services products held with any financial institution. It provides comprehensive credit monitoring and identity fraud protection and notifies members whenever key changes occur on their credit report. If members become victims of identity theft, they have immediate access to a highly skilled network of individuals to tackle the problem on their behalf and can claim against the cost of recovering their identity. Key Features - Credit reports: unlimited access to a comprehensive and detailed view of a customers credit history. The information is presented in an easy to understand and straightforward format. - Credit score: a personalised credit score together with specialist advice to allow a customer to assess and manage their credit status. - Credit alerts: comprehensive monitoring system that provides front-line defence against fraudulent or unauthorised activity on an individual's credit report. - Credit query resolution: support from expert staff trained to assist customers in resolving their credit report disputes and queries. - Fraud resolution: assistance provided by a dedicated team with access to a significant lender network to help a customer recover from identity fraud. - Identity theft insurance: extensive protection to help cover the costs associated with re-building an identity. The service costs £6.99 per month.Customers signing up to the service in the first 6 months will receive a £10 voucher which can be offset against the purchase of a shredder to help safeguard their financial privacy. | ||
| Shopping Reward Prog: | Extras Reward Programme Extras is a constantly changing selection of special offers, exclusive to Royal Bank of Scotland cardholders. Offers include savings on cases of wine, reductions on holidays with major tour operators. Royal Bank Travel Service A range of specially tailored discounts (including savings of up to 45% and free insurance) on selected brochure prices, access to last minute bargains, deals to send the cardholder faraway for less and special offers on cruises. Extra savings like special rates for airport car parking, cheaper holiday car hire and discounted rates for overnight airport hotel accommodation and attraction tickets. Royal Bank Wine Club The Wine Club provides the cardholders with a regular supply of top quality, value-for-money wines from around the wold delivered direct to their door. Royal Bank MagazineService Permanently reduced prices on the UK's top magazines, delivered to the cardholders door. Optional Price Protection - If you have 60 day Price Protection you can claim back the price difference you have found on goods which you bought with your credit card. RBS will provide you with the first 90 days cover for only £1 and you can start claiming straight away. A further nine month's cover costs just £18.95. Thereafter the annual charge is £19.95. | ||
| Fees & Charges | |||
| Annual Fee (£): | There is no annual fee. | ||
| International Charges %: | The amount of any Transaction in a currency other than Sterling will be converted into Sterling at the rate of exchange used by the Bank on the date when the transaction is debited to the card account. A conversion fee of 2.75% will also be included. | ||
| Interest Charged from: | For any purchases, balance transfers and advances Royal Bank of Scotland will charge interest from the date of the transaction, on the amount of the transaction. For any cheques, they will charge interest from the date the transaction is charged to the account. | ||
| Interest Free Period: | Interest free period of 56 days. All purchases will be free from interest if the account is settled in full within 25 days of the statement date. | ||
| Min Payment £: | The minimum monthly payment is 2.25% of the outstanding balance, minimum £5, whichever is the greater, or the full amount due if less than £5. | ||
| Compare | |||
| Products: | www.rbs.co.uk Credit Cards | ||
