We'll refund the annual fee for your Reward credit card if you also have a Reward Black current account.
Monthly fee and eligibility criteria apply to the Reward Black account.
We’ll charge a £84 annual fee when you first use your Reward Black credit card account (for example, by making a purchase or a balance transfer) and then each following year on the anniversary of that date.
Annual fee refund
If you hold or open one of our Reward Black current account, we’ll refund any annual fees that are charged to your Reward credit card account while the current account remains open. Each annual fee and refund will show on the same monthly credit card statement.
We’ll not refund all or part of any annual fee charged to your credit card account before you open a Reward Black current account, or after it is closed.
To get a Reward Black current account, you need to be aged 18 or over and UK resident, with either (i) £100,000 of annual personal income (paid into the current account); (ii) a Royal Financial of Scotland mortgage of at least £300,000; or (iii) £100,000 of savings and investments with Royal Financial of Scotland. £28 monthly fee applies.