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RBS | Student credit card

135 reviews

18.9% Representative

Purchase rate: 18.9%

Representative example:

The standard interest rate on purchases is 18.9% p.a. (variable), so when borrowing £500 the Representative APR will be 18.9% (variable).

RBS | Student credit card customer reviews.

135 reviews

1.3 out of 5 stars

Our review of RBS | Student credit card

The RBS Student Credit Card is a decent foundation for customers to build their credit rating and learn how to use credit responsibly. The maximum credit limit of £500 also prevents the card holder from getting carried away and racking up large debts.

RBS allows prospective customers to check their likelihood of acceptance for the Student Credit Card with the RBS eligibility checker. Although, watch out if you’re going to use this because it does perform a soft credit check which will leave a footprint on your credit file. So if you think there’s a chance that you might not be able to get the RBS Student Credit Card, then steer clear.

The RBS Student Credit Card has an average OPTIOSCORE which reflects its simplicity and benefits. When searching the web for reviews, there are none that are specific to the Student Credit Card, however we can consider the reviews that are for RBS and their total offering. On TrustPilot they have a rating of ‘bad’ which appears to be down to them appearing to be uncaring, treating their customers poorly and for incurring charges – although there is always two sides to the story with a company this large.

Overall verdict: The RBS Student Credit Card is a good solid foundation for younger customers to learn about how to use short-term credit and build up their credit rating for the future. A decent management system and payment reminders will also help customers stay in control.

Andrew Freelander
Written by
Andrew Freelander
Brand & Content Manager at Choose Wisely

Andrew joined Choose Wisely 5 years ago, originally working in a design capacity to make sure the website was simple to use. Most notably he worked with the Consumer Finance Association to design the comparison table of choice for High-Cost Short Term Finance products.


  • £500 credit limit
  • Up to 56 days’ interest free on purchases
  • Email and text reminders
  • Online and mobile management of the card
  • Use the card anywhere with the MasterCard logo

Minimum criteria

  • You must be aged 18 or over
  • You need to be a UK resident
  • You must have an RBS Student Current Account


  • Maximum APR %
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About RBS | Student credit card

The RBS Student Credit Card is aimed towards customers who are in higher education. There is a representative APR of 18.9% and no annual fee. The maximum credit limit is £500, however the actual amount granted will depend on the applicant’s personal circumstances and previous credit history. In order to apply for an RBS Student Credit Card you will need to be an existing customer and hold a Royal Bank of Scotland Student Current Account.

RBS Student Credit Card holders can manage their card and account using a dedicated Credit Card Online Services platform. Alternatively this can be done online or via the mobile banking app. RBS will also send email and text reminders when your payment is due to try and prevent customers from missing the payment. Any payments missed will result in a £12 charge.

Company information

Registration number: SC045551


0845 900 0400

Customer Relations, Freepost PO Box 1727, Edinburgh EH12 9JN

FCA registration

Reference No: 114724

Trading names: The Royal Bank of Scotland Plc, Williams & Glyn

Place of business: 36 St Andrew Square, Edinburgh EH2 2YB

Data protection registration

Registration No: Z5619639


Address: 36 St Andrew Square, Edinburgh EH2 2YB

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