Purchase & Balance Transfer card
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Royal Bank of Scotland · MASTERCARD
The Purchase & Balance Transfer card is a credit card from Royal Bank of Scotland on the MASTERCARD network. It has an annual fee of £0.
Verified 12 Sept 2026
Key facts
- Annual fee
- £0
- Purchase APR
- 24.9% to 29.9% p.a. (variable)
- Intro APR
- 0% on purchases for up to 23 months, 0% on balance transfers for up to 21 months
- Foreign transaction fee
- 2.75%
- Network
- MASTERCARD
Benefits and perks
- 0% interest on purchases for up to 23 months – 0% offer starts from account opening.
- 0% interest on balance transfers for up to 21 months – you must transfer your balance in the first 3 months of account opening. 0% offer starts from account opening.
- 3.49% balance transfer fee.
- After your 0% offers end, you'll pay our standard rates.
- The maximum interest-free period is up to 56 days and only applies to purchases.
- No late payment fee and no fee for going over your credit limit.
Questions about the Purchase & Balance Transfer card
What is the annual fee on the Purchase & Balance Transfer card?
The Purchase & Balance Transfer card has an annual fee of £0.
Is the Purchase & Balance Transfer card worth it?
The Purchase & Balance Transfer card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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