RBS Platinum Credit Card

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  • Cash Advance Fee:
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  • Intro Balance Transfer Duration:
  • Intro Balance Transfer Fee:
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  • Standard Purchase Rate:
  • 3%
  • 27.95% p.a.
  • 26 months
  • 2.65%
  • 0% p.a.
  • 6 months
  • 0% p.a.
  • 18.9% p.a. variable
  • 18.95% p.a.


  • A very long balance transfer offer – 26 months

  • Purchases charged 0% p.a. interest for 6 months

  • Exclusive discounts on a range of products & services


  • Cash advances are very expensive

Best Features of the RBS Platinum Credit Card

  • 0% on balance transfers for 26 months
  • 0% on purchases for 6 months
  • Travel & shopping discounts with the RBS Travel Service

Our Review

Want the privileges and prestige that comes with owning a platinum card without the cost? Then look no further than the RBS Platinum credit card. With no annual fee, interest free credit and 0% p.a. interest on balance transfers for the first 26 months, the RBS Platinum is excellent value for money.

Who it’s for

This platinum credit card is aimed at consumers who want the benefits of owning a platinum card without paying through the roof for it. It’s also highly recommended if you are looking to switch credit card providers and have already accrued debt elsewhere as you can repay your outstanding credit card debt without any additional interest for 26 months!


Surprisingly, for a platinum card, the eligibility criteria isn’t that strict. You must be earning £10,000 or more, be a UK resident and of course, be 18 or older. Applying is simple, and in most cases RBS will let you know their decision straightaway.

Balance transfers

The RBS Platinum account is ideal if you are looking to transfer across your balance from another credit card provider. If you find yourself swamped down in interest charges then consider switching to RBS, where you will get an 26 months interest free period. And unlike other credit card providers on the market, RBS will allow you to transfer up to 95% of the credit limit – perfect if you have built up large debts. Do bear in mind, however, that RBS charge a 2.65% handling fee on each balance transfer.


Not only can you save money through lower interest rates, but the RBS Platinum card also gives you access to exclusive deals and discounts including 10% off UK short breaks with Superbreak and 20% off Buyagift. Not only this, but RBS also offers Platinum account holders access to their exclusive travel centre service where you can get advice and help on all things travel related – RBS will even arrange emergency medical transport should the worst happen whilst you’re abroad. Owning a Platinum card also gives you access to RBS’s renowned wine club where you can get discounts and freebies at the click of a button.


The RBS Platinum credit card comes with 0% p.a. interest on all purchases for the first 6 months. RBS also offer all account holders a 56 day interest free period, which means you could effectively borrow credit without ever having to pay interest, so long as you can afford to pay the balance in full at the end of the month.

Cash advances

You can use the RBS Platinum credit card to get up to £750 a day from cash points worldwide. The interest rate for cash withdrawals is 27.95% p.a. per annum, and there’s also a 3% handling fee.

Security & fraud protection

RBS actively monitor credit card accounts and if they suspect there has been a fraudulent transaction, they will call the account holder to make sure. You can also sign up to free fraud text alerts, which warn you if anything suspicious has occurred on your account.

The Platinum credit card also comes with MasterCard’s SecureCode technology to protect you against any online credit card fraud by requiring account holders to enter a password when paying for goods and services on the web.


The RBS Platinum credit card account is extremely good value for money. If you’re looking to transfer from another credit card provider then the Platinum account is a must-have. Not only do you get access to RBS’s market leading interest rates but you will also benefit from exclusive discounts and offers that are only available to Platinum card holders.