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Royal Bank of Scotland Platinum Credit Card

The Royal Bank of Scotland Platinum Credit Card is promoted by Royal Bank of Scotland, provided by MasterCard and has a representative APR of 17.9%. Compare all Royal Bank of Scotland Credit Cards or apply for the Royal Bank of Scotland Platinum Credit Card now.

Card Details

Card Issuer Credit card issuer	N/A
Merchant Network The Card network the card belongs to	MasterCard
Card Type Type of credit card	Platinum
Card Limit Maximum upper balance limit for card spending	The maximum credit limit is £20000 (subject to status).

Acceptance Criteria

Min Age Minimum age for applicants	18 Years
Min Income Minimum income required for applicants	A minimum income of £10000 per annum is required.
Credit Rating Credit rating required for successful application of card	Prime

Introductory Balance Transfer Details

Intro Balance Transfer Rate Annual equivalent rate charged on balance transfers for the introductory period	N/A
Duration of Intro Balance Transfer Rate Duration of balance transfer rate for introductory period	20 Months
Balance Transfer Limit Maximum upper limit for balance transfers to card	Subject to Status
Intro Balance Transfer Fee Fee for transferring balance as a percentage of the amount transferred during the introductory period	2.8%
Intro Min Balance Transfer Fee Minimum fee for transferring a balance during the introductory period	£5
Intro Max Balance Transfer Fee Maximum fee for transferring a balance during the introductory period	No Limit
Intro Balance Transfer Window Months The number of months from when the introductory balance window begins that you have to transfer your balance.	Balance transfers made within 3 months will receive the introductory offer associated with this card.
Intro Balance Transfer Offer Begins The point at which the introductory balance transfer period begins.	When account opened

Introductory Purchase Rate Details

Intro Purchase Rate Annual equivalent rate on card purchases during the introductory period	N/A
Duration of Intro Purchase Rate Duration period for introductory purchase rate	6 Months

Standard Rates

APR Representative (Variable) Annual Percentage Rate Typical (Variable) - this figure considers both the annual interest charged on purchases and any annual fees	17.9%
Purchase Rate Annual equivalent rate for purchases	17.9%
Balance Transfer Rate Rate charged on card palance as an annual equivalent percentage after any introductory period ends	17.9%
Cash Advance Rate Rate charged on cash advances as an annual equivalent percentage	27.9%

Benefits

Cash-Back Reward Cash-back reward for spending	Not applicable.
Air Miles Airmiles travel reward scheme available	Air Miles are not offered.
Shopping Reward Program Shopping reward scheme available	No shopping reward program available.
Points Scheme Points reward scheme available	No points scheme available.
Other Incentives Additional card incentives available	N/A
Charity Affiliation Affiliations to any charities for card spending	This is not a Charity Affiliation account

Cashback Scheme Details

Introductory bonus on Cash-Back Cash-back bonus on introductory period.	Not applicable.
Max Spend that earns Cash-Back Where a cash back reward scheme is active, the maximum amout of spending permitted to earn cash back.	Not applicable.

Fees and Terms

Interest Free Period Number of days for interest free period	Up to 56 days interest free period.
Min Payment Minimum monthly payment required as a percentage of that month's total bill	N/A
Min Payment Minimum monthly payment required if any balance is outstanding	£5
Annual Fee Annual fee for card	There is no annual fee.
Balance Transfer Fee Fee for transferring balance as a percentage of the amount transferred outside of any introductory period	N/A
Min Balance Transfer Fee Minimum fee for transferring balance	N/A
Max Balance Transfer Fee Maximum fee for transferring balance	N/A
Cash Advance Charge Charges for a cash advance as a percentage of the cash advance amount	A handling fee of 3.00% will be charged on the amount of any cash advance.
International Charges Charges for overseas transactions on card as a percentage of transaction	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 added.
Order of Repayments The order in which the various different types of credit are repayed when you pay over your monthly balance	If the cardholder does not pay the statement balance in full on the payment date, payments will be allocated in the following order:Cash AdvancesBalance TransfersPurchasesFees and charges

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