Royal Bank of Scotland Student credit card review

2 min Read Published: 12 Nov 2020

Royal Bank Student card review In this review we look at the student credit card from the Royal Bank of Scotland, which is available to those with a Royal Bank of Scotland Student current account and are over 18.

Key facts about the Royal Bank of Scotland Student credit card

  • Best for: Those looking for a standard student credit card
  • Introductory offer: No introductory offers
  • Representative APR: 18.9% variable
  • Fees: No annual fee
  • Perks: No specific perks

Pros of the Royal Bank of Scotland Student credit card

  • It is available to those with no or little credit history and, in fact, can help boost your credit rating if used responsibly
  • If you pay the balance in full each month, you can benefit from 56 days interest-free on purchases
  • Like most student cards, it doesn't charge an annual fee

Cons of the Royal Bank of Scotland Student credit card

  • You have to have a Royal Bank of Scotland Student current account to be able to apply for this card
  • It has a credit limit of between £250-£500, although in line with other student cards, may be restrictive for those who want to make bigger purchases

How to manage your payments on the Royal Bank of Scotland Student credit card

Cardholders can manage their accounts online or on the mobile app

How to apply for the Royal Bank of Scotland Student credit card

Royal Bank of Scotland provides an online eligibility checker, which will give you a good indication of whether you are likely to be accepted for the card, without it appearing on your credit file

Alternatives to the Royal Bank of Scotland Student credit card

HSBC Student credit card 

TSB Student credit card 

NatWest Student credit card 

Looking for a financial adviser near you?

Do you need financial advice? An independent financial adviser can show you how to make the most
of your money. Find your nearest qualified and regulated adviser using this VouchedFor search tool.