RBS Student Credit Card review UK 2025, no annual fee and 56 days interest-free, perfect for students starting out

What the RBS Student Credit Card offers

The RBS Student Credit Card is a simple, no-annual-fee option aimed squarely at students in the UK who are new to credit. You get up to 56 days interest-free on purchases if you clear the balance each month, a representative APR of 18.9% variable and modest credit limits typically between £250 and £500.

This card is issued by the Royal Bank of Scotland and is designed to sit alongside an RBS Student Current Account, which is a requirement for application. For many undergraduates the appeal is straightforward: no fee, a sensible way to start building a credit file and basic online and mobile account management.

Key benefits and everyday use

Using the RBS Student Credit Card responsibly helps build a credit record early, which matters later when you apply for a mortgage, a car finance deal or other credit. The 56 days interest-free on purchases gives breathing space for budgeting, provided you pay the full statement balance on time each month.

The online banking and RBS mobile app make it easy to track spending, set up alerts and manage direct debits — practical tools for students living on a budget. While there are no reward schemes or cashback perks, the simplicity and no annual charge keep the cost of borrowing low when used sensibly.

How to apply and what to expect

Applying for the RBS Student Credit Card is straightforward if you already have an RBS Student Current Account. RBS offers an online eligibility checker that performs a soft search, so you can see your chances without affecting your credit file. The actual application requires typical ID and proof of student status.

Decisions are usually quick, but remember the credit limit for the RBS Student Credit Card is conservative. If you need higher available credit, compare other student cards or discuss limit reviews with RBS after a period of steady, on-time repayments.

Tips, considerations and final verdict

To get the most from the RBS Student Credit Card, treat it as a budgeting tool rather than a spending boost: keep balances low and clear them monthly to benefit from the interest‑free period. That habit builds a positive credit history and keeps interest payments at bay if you ever miss a payment.

Overall, the RBS Student Credit Card is a sensible first card for many UK students — no annual fee, straightforward terms and useful digital tools. Before you apply, compare the RBS Student Credit Card with other student offers and check eligibility online to pick the card that fits your financial goals and lifestyle.