RBS Student Credit Card Review: No Annual Fee Card to Build Credit at Uni

Why choose the RBS Student Credit Card

The RBS Student Credit Card is a practical no-annual-fee option for undergraduates in the UK who want to start building credit while at uni. With a straightforward application for those who hold a Royal Bank of Scotland Student Current Account, this student credit card suits newcomers to credit and those aiming to manage spending responsibly.

It offers up to 56 days interest-free on purchases when you clear the balance in full each month, helping students avoid interest if they stay disciplined. The RBS Student Credit Card is positioned as a basic, reliable tool for improving your credit file without complicated rewards or high ongoing fees.

Costs, credit limits and representative APR

There’s no annual fee on the RBS Student Credit Card, which is a big plus for students living on a budget. The representative APR sits at 18.9% variable, so carrying a balance will incur interest; keeping to the interest-free period is essential to get the full benefit of this student credit card.

Typical credit limits are in the region of £250–£500, which is common for student products and suitable for everyday purchases and emergencies. Be mindful of fees for cash withdrawals and late payments—these charges can quickly offset the benefits of having a no-fee student credit card.

Applying and eligibility for students

To apply you’ll generally need an RBS Student Current Account, proof of student status and a UK address. The online eligibility checker performs a soft search so you can gauge approval chances without affecting your credit file, which is useful for students new to credit applications.

Approval criteria focus on affordability and the applicant’s circumstances rather than an extensive credit history, making the RBS Student Credit Card accessible to those with limited or no prior borrowing. Use the pre-check and prepare basic documentation to speed up the application process.

How to use the card to build credit at uni

Use the RBS Student Credit Card for small, regular purchases and pay the balance in full each month to benefit from the interest-free period and demonstrate responsible borrowing. Consistent on-time payments and low utilisation can help raise your credit score over the course of your degree.

Manage the card easily via RBS online and mobile banking, set up direct debits for repayments and enable notifications to avoid missed payments. Treat the RBS Student Credit Card as a credit-building tool rather than a spending hack, and it will support future borrowing like loans or a mortgage.