RBS Reward Credit Card Review

Unlock exclusive benefits and get rewarded for your everyday spending with the RBS Reward Credit Card. 

Choosing the right credit card can be overwhelming, but the RBS Reward Credit Card makes the decision easy. Designed for those who want more from their spending, this card combines flexibility with rewarding benefits that enhance your financial experience.

Whether you’re making routine purchases or indulging in something special, this card ensures you gain extra value every time you spend. Stay in control of your finances while enjoying exclusive perks tailored to your lifestyle.

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Enjoy Exclusive Perks with the RBS Reward Credit Card

• Competitive APR and Transparent Fees: The RBS Reward Credit Card offers a 31% APR (variable), making it a competitive choice for those who want financial flexibility. Reward Current Account holders benefit from a £0 annual fee, while others pay a modest £24 per annum to access all the card’s rewards and perks.
• Earn Rewards on Everyday Spending: Every purchase made with the card accumulates reward points, ensuring that every pound spent delivers value. These points can be redeemed for cashback, gift vouchers, or used towards reducing your card balance.
• Flexible Repayment Options: Manage your finances with ease by choosing a repayment plan that suits your budget. With a purchase interest rate of 25.9%, you can spread payments over time while maintaining control over your spending.
• Exclusive Partner Offers: Gain access to exclusive deals and discounts with select partners. Whether shopping online or in-store, cardholders enjoy premium perks on a variety of products and services.
• Enhanced Security Features: Stay protected with advanced security features, including fraud detection and zero liability for unauthorised transactions. Peace of mind comes as standard with every purchase.
• Contactless and Mobile Payment Compatibility: Make fast, secure transactions using contactless technology or link your card to digital wallets like Apple Pay and Google Pay for seamless shopping experiences.
• Credit Limit Flexibility: Enjoy a personalised credit limit tailored to your financial profile, allowing you to manage expenses effectively while avoiding unnecessary restrictions.
• Online Account Management: Access your account 24/7 through the RBS online banking portal or mobile app, giving you full control over transactions, payments, and reward redemptions.
• Additional Cardholder Option: Share the benefits by adding a family member or partner as an authorised cardholder at no extra cost, ensuring they also enjoy the rewards and perks.

Qualification Requirements for the RBS Reward Credit Card

• Age Requirement: Applicants must be at least 18 years old to apply, ensuring financial responsibility and eligibility for credit services.
• Residency Status: You must be a UK resident with a registered address in the country to qualify for the RBS Reward Credit Card.
• Credit History: A good credit score improves your chances of approval. Applicants with a strong financial track record are more likely to benefit from higher credit limits.
• Employment and Income: Proof of regular income is required to assess financial stability. Whether employed or self-employed, applicants must demonstrate their ability to repay.
• Existing Bank Account: Holding an account with RBS is not mandatory, but having an established financial relationship can enhance approval chances.
• No Recent Defaults: Applicants with recent bankruptcies or financial defaults may find it more challenging to obtain approval.

How to Apply for the RBS Reward Credit Card

• Visit the Official Website: Start your application online through the official RBS website, where you can find all the necessary details about the card.
• Check Your Eligibility: Use the online eligibility checker to see if you qualify before submitting a full application. This process does not affect your credit score.
• Complete the Application Form: Provide personal information, including name, address, and employment details, ensuring all information is accurate.
• Submit Financial Information: Upload necessary financial documents such as payslips or bank statements to verify income and ensure affordability.
• Review Terms and Conditions: Before finalising your application, carefully read the terms and conditions to understand the card’s benefits and responsibilities.
• Await Approval Decision: Once submitted, your application will be reviewed. If approved, you’ll receive confirmation and instructions on how to start using your card.

Frequently Asked Questions

Can I use my RBS Reward Credit Card abroad?

Yes, the card is widely accepted internationally, allowing you to make purchases and withdraw cash while travelling. Currency conversion fees may apply.

How do I earn and redeem rewards?

You earn points on everyday purchases, which can be redeemed for cashback, vouchers, or bill reductions through the RBS rewards portal.

What should I do if my card is lost or stolen?

Report it immediately via the RBS mobile app or customer service hotline. A replacement card will be issued promptly with added security measures.

Can I increase my credit limit?

Yes, after demonstrating responsible usage, you may request a credit limit increase through your online banking account or by contacting customer service.

CREDIT CARD

RBS Reward

Flexible Repayment Earn Rewards

APPLY NOW You will be redirected