For RBS student current account customers
Select shopping discounts
Standard protection on purchases & fraud
RBS Student credit card
Everything you need to know about this credit card, including how to apply, our review and the small print.
Available to those who are:
- Hold a RBS Student Current Account
- Aged 18 or over
- UK resident
Please ensure you meet the above criteria before applying, or it could adversely affect your credit rating.
| Representative Example: 18.95% p.a. variable on purchases. This is equivalent to 18.9% APR representative variable based on a credit limit of £500. The Royal Bank of Scotland plc, 36 St Andrew Square, Edinburgh, EH2 2YB |
What's on offer?
Main summary of this credit card's rates, rewards and services.
 Purchases: |
 Balance transfers: |
 Rewards: |
 Cardholder services: |
|---|---|---|---|
| 18.95% p.a. variable | Not offered | Shopping Discounts Travel Discounts Wine Club Offers |
Online Account Management Internet Fraud Guarantee Active Fraud Monitoring MasterCard SecureCode |
Further details and the small print
A closer look at the rates, rewards, services and our review of this credit card.
What we think
Our review and how this deal compares
Please read this first:
This review is based on general information about how the product compares in the market, it shouldn't be taken as a recommendation or advice.
Please see below for more important information relating to the content of this page.
Application criteria
| Detail | |
|---|---|
| Only apply if you are: | - Hold a RBS Student Current Account - Aged 18 or over - UK resident |
Interest rates
| Detail | Additional | |
|---|---|---|
| Representative APR (variable) | 18.9% APR | Based on a £500 credit limit. |
| Introductory Purchases | - | Not offered |
| Introductory Balance Transfers | - | Not offered |
| Standard Purchases | 18.95% p.a. variable | - |
| Standard Balance Transfers | - | Not offered |
| Standard Cash Advances | 27.95% p.a. variable | - |
Fees and charges
| Detail | Additional | |
|---|---|---|
| Balance Transfer fee | None | - |
| Cash Advance fee | 3% (£3 min) | - |
| Foreign fee | 2.75% | This fee is charged for transactions made in non-sterling currency. |
| Annual fee | None | - |
| Default charges | £12 | Returned payments are charged £10. This charge is made for late payments, returned payments and exceeding the credit limit. |
Repayment details
| Detail | Additional | |
|---|---|---|
| Credit limit | £250 min, £500 max | Credit limit is subject to status. |
| Interest free period | Up to 56 days | For purchases if you pay your balance in full and on time, and have paid the previous month's balance in full and on time. There is no interest free period on cash advances, money transfers or balance transfers. |
| Minimum monthly payment | 1% (£5 min) | The minimum monthly payment will be the greater of: - Interest, default charges, 1/12 of your annual fee (if any) and 1% of your outstanding balance (excluding any remaining part of the annual fee), OR - The amount you owe over your credit limit, less any overdue amounts from previous statements, OR - £5 |
| Allocation of payments | Most expensive debt first | - |
Rewards and discounts
| Detail | |
|---|---|
| Shopping Discounts | - 10% off all products at HP UK - £5 voucher for Firebox.com - 15% off everything at iWorld.co.uk - 25% off Lonely Planet every time you spend £10 or more |
| Travel Discounts | Discounts on advance bookings and last minute deals with the RBS Travel Service. |
| Wine Club Offers | Special offers and occasional free gifts (registration required). |
Cardholder services
| Offered | Additional | |
|---|---|---|
| Online account management |  |
You can manage the account online. |
| Internet Fraud Guarantee | |
If your card has been used on the internet without your knowledge or consent, RBS guarantee not to hold you liable for the fraudulent transaction if you've signed up to RBS Secure (a free service in partnership with MasterCard SecureCode). |
| Fraud Monitoring | |
Choose SMS text alerts and receive a text message instead of a phone call if RBS spot anything suspicious on your account. |
| Identity Protection |  |
- |
| Credit Report Access | |
- |
| 3D Secure | |
MasterCard SecureCode An extra layer of security when shopping online. Register and set up a password-protected identity-check when you shop online with participating online retailers. |
| OneTouch Payments | |
- |
| Purchase Protection Insurance | |
- |
| Purchase Delivery Insurance | |
- |
| Comprehensive Travel Insurance | |
- |
| Travel Accident Insurance | |
- |
| Travel Inconvenience Insurance | |
- |
| Assistance Abroad | |
- |
| Emergency Card Replacement | |
- |
Please read the following notice:
The review on this page is intended to provide general information only and does not attempt to give advice that relates to your specific circumstances. If you are unsure as to the suitability of any financial product, you should discuss this with an independent financial advisor.
While we make every effort to ensure and maintain current and accurate information on this site and the review on this page will be periodically updated inline with product changes, it could contain rates, deals or facts which have now changed and therefore should not be solely relied upon.
You should check the full details of any product with the relevant provider before applying, and you are advised to conduct your own research as well.
We aim to provide free reviews and comparisons of consumer products. To keep the site free, we are paid by some providers when new customers take products after they've clicked on our links. We don't allow our editorial content to be affected by those links, however we may not include all of the products available in the market.
Please read our full disclaimer for other important information that relates to the information and service we provide and your use of this site.
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