RBS Purchase & Balance Transfer Card

About the Purchase & Balance Transfer Card

The Purchase & Balance Transfer Card from the Royal Bank of Scotland is designed for people who want an introductory 0% period on purchases, balance transfers, or both. At review time, RBS listed 0% interest on purchases for up to 23 months and 0% interest on balance transfers for up to 21 months, subject to credit assessment.

Key costs and eligibility

• 0% interest on purchases for up to 23 months; your offer may be shorter.
• 0% interest on balance transfers for up to 21 months; your offer may be shorter.
• Balance transfer fee: 3.49% of the transferred balance.
• Representative APR: 24.9% APR variable.
• Annual fee: £0.
• Available to UK residents aged 18+ earning at least £10,000 per year.
• RBS says actual APR, credit limit and 0% offer depend on its credit assessment.

You cannot transfer balances from NatWest Group credit cards. Balance transfers must be made within the issuer's stated transfer window to qualify for the 0% balance-transfer offer.

This page is informational and is not an issuer application form. The final eligibility check, offer and application decision happen with Royal Bank of Scotland.

Want to learn more about the RBS Purchase & Balance Transfer Card? Press the button below and check out the complete step-by-step process to apply.

About Royal Bank of Scotland

Royal Bank of Scotland is a UK bank offering current accounts, savings, loans, credit cards and digital banking tools. Its credit card products include account-management features through the Royal Bank mobile app.

Why choose the Purchase & Balance Transfer Card?

This card can make sense if you need time to spread the cost of planned purchases, move eligible balances from other providers, or manage both goals in one place. The strongest use case is planned borrowing with a repayment schedule before the 0% offer ends.

The main caution is that the headline offer is not guaranteed for every applicant. RBS states that the purchase period, balance-transfer period, APR and credit limit may vary after credit assessment. Compare the transfer fee, the offer you receive, and your monthly repayment plan before applying.

Best for

People planning a larger purchase or balance transfer who can repay steadily during the promotional period.

Not for

People transferring debt from NatWest Group cards, applicants below the issuer's eligibility requirements, or anyone who may only make minimum payments after the promotional period ends.