The Royal Bank Credit Card

The Royal Bank Credit Card

No ratings yetNot yet rated

Royal Bank of Scotland · MASTERCARD

The The Royal Bank Credit 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
12.9% to 18.9% p.a. (variable)
Foreign transaction fee
None
Network
MASTERCARD

Benefits and perks

  • Low interest rates – which could save you money.
  • No foreign transaction fees – on purchases abroad. (You'll still pay fees if you take money out of cash machines abroad or get a money advance. You may also pay local fees.)
  • No annual fee – you won't pay a fee each year to have this card.
  • No balance transfer fees - and a low interest rate of just 12.9% p.a. (variable) when you transfer a balance from another card.
  • 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 The Royal Bank Credit Card

What is the annual fee on the The Royal Bank Credit Card?

The The Royal Bank Credit Card has an annual fee of £0.

Is the The Royal Bank Credit Card worth it?

The The Royal Bank Credit 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.

Community

Approval and real earn reports from cardholders are coming to this page soon.

Not sure this is the right card for you?

Upload a credit card statement and Woodo works out what you actually spend by category, then ranks every card in the catalog against your own numbers. No bank login needed.

Upload a statement