The RBS Student Credit Card is no longer available to new applicants. This page is kept as a record of what the card offered.

ClearScore is a credit broker, not a lender.

The RBS Student Credit Card was a no-annual-fee card aimed at students, including those with no prior credit history. It was only available to holders of an RBS Student Bank Account, and applicants needed to be UK residents aged 17 or over and in full-time study. There was no income requirement.

The card carried a representative APR of 18.9% variable on purchases — considerably lower than credit-builder cards of the period, which typically charged 30% or more — with a credit limit of up to £500. Purchases received a standard interest-free period of up to 56 days where the full balance was cleared by the due date each month.

Cash withdrawals were charged at a higher rate of 27.9% APR variable, with interest accruing immediately and no interest-free period. Late payment and over-limit fees were £12 each.

The card is no longer open to new applications.

There are UK banks still offering student credit cards, typically with similar features: no annual fee, a credit limit in the hundreds rather than thousands, and eligibility tied to holding a student current account with the same provider.

Our guide to credit cards for students sets out which providers currently offer them, along with their representative APRs and eligibility criteria.

Card details correct as of 11 September 2026. Terms, rates and features are subject to change — always verify current details before applying. This article is for general information only and does not constitute financial advice.