You can find it within your Profile and check it as many times as you like without it affecting your credit score. Other credit cards. £24 monthly Black Account fee applies. This feature applies to Mastercard credit cards only. Avoid interest and pay a set fee each month instead. Your actual credit limit and APR may vary depending on our credit assessment of you. Avoid interest and pay a set fee each month instead. App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries. Your Premier Reward Black account offers a range of travel perks, including: Worldwide family travel insurance. Get cash without your card – Ideal if you’ve left your card at home. The interest rate on this part of your balance will be 25.9% (chargeable from the day of the transaction – the card's usual "up to 56 days interest-free" grace period won't apply). Withdraw £250, and you'll incur a fee of £7.50. Reward Black Current Account holders: £0 per annum 37.1% (variable) More Info. Usually, there is an annual fee with this credit card, but if you have our Reward Black current account there’s no card fee. RBS is one of the UK’s leading banks, we offer a range of Credit Cards to suit all needs. In a telling move, the RBS group's restriction on issuing cards does not relate to new customers who are wealthy, with well-paid jobs, who would qualify for one of its prestige 'Black' credit cards. For this you get a number of benefits including travel insurance and a concierge service, that can … The PIN should be four digits long and your password can be between 6 and 10 characters (letters and numbers only). If you go over your agreed limit by more than £12, we’ll charge you a fee of £12. If you don't, we'll help you sign up easily in just 5 minutes. You’ll need your customer number, digital banking PIN and password to apply online. Get a feel for how much you might be able to save using our interest calculator. Use our eligibility checker to find out if you'll be accepted for this credit card before you apply. Instalment Plans are for existing credit card customers only, eligibility criteria and monthly fees apply. Log in to the app, select the 'Help' icon at the bottom, and you'll see your customer number at the top of the screen. Finished! We're all human, so if you do miss your payment due date by just one day, we won't charge you the late payment fee. Need a hand getting set up? Exclusions apply. Compare our 18 month & 23 month 0% balance transfer credit card offers with 0% interest on purchases for 3 months. Reward Black credit card A credit card that rewards you at home and abroad Representative 37.1% APR (variable) Available to customers who have a current account, savings account, credit card or mortgage with Royal Bank … It just takes around 5 minutes. Private Black Credit Card. Your address details for the last 3 years, Your income, outgoings and employment details, A note of any cards you wish to transfer a balance from, Your Royal Bank of Scotland debit card, if you have one. If you need a hand, follow our step-by-step guide below. Which? Log in to the app, select the 'Help' icon at the bottom, and you'll see your customer number at the top of the screen. You'll need to re-register for Digital Banking where you can pick a new PIN and password. If you accidentally go over budget, we’ll send you a notification as a wee reminder. The Instalment Plan counts as existing credit limit, which means you can’t free up additional funds by moving a purchase to an Instalment Plan. Representative 19.9% APR (variable). Digital Banking allows you to control your finances from wherever you have internet access. It won't harm your credit rating and it takes just 2 minutes. If you go over your limit we’ll charge you a fee of £12. Credit Card Programs - RBS Black (Natwest Black w/o YourPoints) - Royal Bank of Scotland have launched the RBS black card . The fee could end up being cheaper than your standard credit card interest rate. 3. The most common way to pay is by Direct Debit. If you don’t have a Reward Black current account, we’ll charge a £84 annual fee when you first use your Reward Black credit card account (for example, by making a purchase or a balance transfer) and then each following year on the anniversary of that date. Like most UK credit cards, our range of cards offer 56 days interest free credit on purchases if you pay your balance (and your previous month's balance) in full and on time each month. For most of the cards (excluding its Student credit card), in order to successfully apply you need to have a good credit score and an annual income of at least £10,000. Apple Pay is available on selected Apple devices. If we don't need anything else from you you'll skip to step 6. If we do neeed more from you, we'll send you an activation code in a text message. If you need a hand, follow our step-by-step guide below. For example, if you withdraw £50, you'll incur a fee of £3.00. If you’re off globe-trotting, avoid those unexpected hitches by registering your travel plans through the app. On the login page, type in your customer number and activation code. Why use my card number? Some other credit card providers place a cap on the amount of points you can earn, but we don't. Your monthly payments and fee will vary according to the size of your purchase and how long you’re taking out the plan for. You can either: Pay them straight into your bank account. You can find it within your Profile and check it as many times as you like without it affecting your credit score. 1% Rewards earned on supermarket spend and 0.5% at their petrol stations, at least 1% Rewards earned at MyRewards retailers and 0.5% everywhere else when shopping at home and abroad. 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