The Royal Bank Credit Card

Key facts
Representative APR	12.9% representative (variable)
0% on purchases	—
0% balance transfers	—
Annual fee	£0
Foreign transaction fee	0% on purchases
Standard purchase rate	12.9%
Cash withdrawal fee	Fees on ATM/cash advances
Airport lounge access	No airport lounge benefit listed on the issuer’s product page.

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Source: rbs.co.uk/credit-cards/the-royal-bank-credit-card.html · Last checked 30 October 2026

Figures are as published by Royal Bank of Scotland when we last checked and may have changed. The rate you’re offered depends on your circumstances. This is general information, not financial advice – read the summary box on the issuer’s site before applying.