RBS | Clear Rate Platinum credit card

APR: 11.1% Representative
Purchase rate: 6.9%
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RBS | Clear Rate Platinum credit card customer reviews

1.8 out of 5 from 29 reviews

Contactless card

12:11 05-02-2017

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Did not want contactless credit card as stops debit card from scanning if also in wallet Bank attitude was take it or leave it so cancelled on spot Not my idea of customer service

Old Git

I never felt uncomfortable.

15:15 24-04-2015

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RSB has always shown coutesy and I love the fact that its more like chatting to a friend than dealing with the bank. Their service is exceptipnal and i would gladly recomend them to others.


Low rates

08:48 23-02-2015

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This card has some of the lowest interest rates on the market. Not my main card, but worth keeping hold of.


Our review of RBS | Clear Rate Platinum credit card

Our review by Alex
Written by: Alex
Consumer sentiment


The RBS Clear Rate Platinum Credit Card has an affordable representative APR and a standard interest rate of 6.9% on balance transfers and purchases. You’ll need to watch out for the fees on balance transfers and on non-sterling transactions, but the annual fee, although inconvenient is not expensive at just £24.

In 2015, Fairbanking undertook an independent assessment of different financial products and granted the RBS Clear Rate Platinum credit card a three star award. As standard across most credit cards in the UK, customers can get 56 days’ interest free on purchases as long as the most current and final monthly payments are both made on time.

The RBS Clear Rate Platinum credit card has achieved OPTIOSCORES that are average across the board. Scouring the web for reviews, it’s difficult to find those that are specific to the Clear Rate Platinum Credit Card, although there are some for RBS in general. On TrustPilot they have a rating of ‘bad’. Lack of customer focus, disorganisation and poor customer service have all contributed to this.

Overall verdict: It’s a shame that RBS as a whole has achieved poor online reviews, but the Fairbanking award paints a good picture for the RBS Clear Platinum Credit Card. Worth exploring for the affordable representative APR if you fit their acceptance criteria.


  • Competitive representative APR
  • 6.9% as standard on balance transfers and purchases
  • No fee for balance transfers
  • You can balance transfer up to 95% of your credit limit
  • Manage the card using online banking

Minimum criteria

  • You must be aged 18 or over
  • You need to be a UK resident
  • You must earn at least £10,000 per year

About RBS | Clear Rate Platinum credit card

The RBS Clear Rate Platinum Credit Card has a representative APR of 11.1% with a rate of 6.9% on purchases and balance transfers. The assumed credit limit is £1,200. There are no fees for completing a balance transfer, however you will need to pay an annual fee for the card of £24. If you go over the credit limit or are late making a payment by one day, then you’ll incur a charge of £12.

For balance transfers to the RBS Clear Rate Platinum Credit Card, customers are able to transfer up to 95% of their available credit limit, as long as it is over £100. This process can take up to three weeks.

On the RBS website, customers can check their likelihood of acceptance for the Clear Rate Platinum Credit Card by using the eligibility checker. This takes a few minutes to complete and does use entail a soft credit search which will leave a footprint on your credit file.