Student Credit Card - credit cards | Royal Financial of Scotland

Student on mobile phone outside college

Our Student
credit card

Extra spending power - when you need it most

To apply you need to be over 18, a UK resident and hold a Royal Financial of Scotland Student Current Account



Why choose our Student credit card?

We've designed a credit card especially for the way you live your life. Available to Royal Bank of Student current account customers.


Icon expand Online and mobile management, plus email/SMS reminders

Manage your card via our dedicated Credit Card Online Services platform. Alternatively, use online banking or our mobile app and manage your credit card alongside your Royal Financial of Scotland student current account. Never miss a payment again.


Icon expand Up to 56 days interest free on purchases

You can get up to 56 days interest free credit on purchases if you pay your balance (and your previous month's balance) in full and on time each month. Note that an interest free period on purchases is a feature of all credit cards in the UK.


Icon expand A maximum credit limit of £500


A manageable limit to give you a helping hand when you need it.



Icon expand Start building your credit rating for the future

Providing you keep up-to-date with your payments, you could begin to build your credit rating which can be helpful further down the line if you are looking for a loan or mortgage.


Icon expand Use your contactless card to make purchases at home and abroad

Useful if you're going travelling, it is widely accepted around the world wherever you see the MasterCard logo (purchases abroad are subject to a non-sterling transaction fee of 2.75%). Also, our Royal Financial of Scotland MasterCards come with contactless technology.

Find out more about contactless credit cards here

Representative Example

Purchase rate


p.a. (variable)

Representative APR


APR (variable)

Credit limit


Annual Fee

No fee

Your credit limit may vary depending on our credit assessment of you.                                                                                                                                                   

Interest on fees and charges is payable in line with our terms and conditions.


Credit Cards Frequently asked questions
Student credit card Ready to apply?
Apply online Choose a different card
Set Tab for lightbox