RBS Reward Credit Card Review

The RBS Reward Credit Card is a fantastic choice for those looking to make the most of their everyday spending while enjoying flexibility and value. 

The RBS Reward Credit Card is your perfect financial companion, designed to reward your everyday spending. With cashback on household bills, effortless earning potential, and exclusive access to partner discounts, this card turns routine expenses into exciting rewards. Whether you’re paying utilities, grocery shopping, or dining out, every transaction helps you save and earn.

Packed with features like easy-to-redeem rewards, robust security, and flexible payment options, the RBS Reward Credit Card offers more than just financial convenience—it enhances your lifestyle. It’s time to make every purchase count and enjoy the benefits of a card that works as hard as you do.

Benefits of the RBS Reward Credit Card

• Earn Cashback on Household Bills: Earn 1% cashback on household bills paid by Direct Debit, including utilities, council tax, and TV subscriptions. This means your everyday expenses are now contributing to your savings, helping you stretch your budget further.
• Unlimited Rewards on Spending: Enjoy 0.25% cashback on all other purchases, from groceries to online shopping. There’s no limit on how much you can earn, ensuring every transaction adds value.
• Earn 1-15% in Rewards at MyRewards Retailers:  Maximize your cashback potential by earning between 1-15% in rewards when shopping with MyRewards partner retailers. From everyday essentials to luxury purchases, this feature ensures that every pound you spend contributes to even greater savings.
• Access to Exclusive Partner Discounts: Enjoy exclusive discounts and deals with RBS Reward partners, including dining, travel, and shopping. These offers allow you to make the most of your spending while accessing premium experiences.
• No Annual Fee in the First Year: Pay no annual fee for the first year, giving you the opportunity to experience all the benefits without any upfront cost.
• Contactless Payments: Make fast and secure transactions with contactless technology. Perfect for daily use, this feature ensures seamless payments for purchases under the contactless limit.
• Flexible Payment Options: Choose repayment plans that suit your financial needs, whether it’s paying in full or spreading payments over time. This flexibility ensures you stay in control of your finances.
• Fraud Protection and Zero Liability: Stay protected from unauthorized transactions with robust fraud monitoring and zero liability for fraudulent charges.
• Access to Real-Time Spending Insights: Track your spending and monitor your rewards through the RBS mobile app. With real-time updates, you’re always in control of your finances.
• Worldwide Acceptance: Use your card globally at millions of locations where Mastercard is accepted. Whether you’re shopping locally or abroad, your card is always ready.
• Add Additional Cardholders: Provide supplementary cards to family members and pool your rewards, amplifying your earning potential while managing expenses efficiently.
• Exclusive Cashback Redemption Options: Redeem your rewards for cash, gift cards, or even as a direct statement credit. This flexibility ensures you can enjoy your earnings the way you want.
• Redeem your rewards with ease: Offset your credit card balance directly. Or, choose from a range of popular brands for shopping, dining, or entertainment. Also, transfer cashback into your bank account for maximum flexibility. With no complicated processes, you can use your rewards as and when you need them.

Who Can Apply For the RBS Reward Credit Card?

Eligibility criteria for the RBS Reward Credit Card:

1. Age: Must be at least 18 years old.
2. Residency: Must be a UK resident.
3. Income: Meet the minimum income requirement specified by RBS.
4. Credit History: A good credit score improves your chances of approval.
5. RBS Current Account Holder: While not mandatory, having an existing RBS account may simplify the application process.

How to Apply For the RBS Reward Credit Card

1. Visit the RBS Website: Navigate to the Reward Credit Card page.
2. Check Eligibility: Use the eligibility checker to see if you qualify without impacting your credit score.
3. Complete the Application: Fill in your personal, financial, and employment details.
4. Submit Supporting Documents: Upload proof of identity and income if required.
5. Await Approval: RBS will review your application and notify you of the decision.

Frequently Asked Questions

Are there foreign transaction fees?

Yes, foreign transaction fees may apply. Check the card’s terms for details.

Can I add additional cardholders?

Yes, you can add supplementary cards for family members, and their spending will contribute to your rewards.

What happens if I miss a payment?

Missing a payment may result in late fees and could impact your credit score. Set up payment reminders to avoid this.

How do I track my rewards and spending?

You can track your rewards and spending in real time through the RBS mobile app or online banking.