Royal Bank of Scotland Student credit card review

1 min Read Published: 12 Apr 2024

Royal Bank Student card review *This card is no longer available. For alternatives, check out these reviews:

HSBC Student credit card

TSB Student credit card

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

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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 find out which credit card is best for you

Money to the Masses has partnered with Creditec* to help find the best credit card for you. By entering a few basic details, you will be able to see a tailored list of the best credit cards based on your individual circumstances. You can sort your results by the feature that interests you most, such as by card type, total fees or cashback offered. On top of this, the credit cards that have been pre-approved for you will be highlighted, meaning you can be more confident that you will be accepted if you apply. (Pre-approval does not guarantee acceptance and is still subject to additional lender checks). Your details will be used to conduct a soft credit search often referred to as an eligibility check, which means your credit score will not be affected. Click on this link to get started*.

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.



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