|
How do I activate my RBS Credit Card?
Upon receiving your RBS Credit Card, call our Customer Interaction Centre at 111-06-06-06 from your contact numbers (office / residence) registered on our system to get it activated. If you have more than one RBS Credit Card, please activate them separately.
How can I get a Supplementary Card?
You can download the Supplementary Card application form by visiting our website at: www.rbs.com.pk and duly filled in forms can be deposited at any of our branches. For further information, please call our Customer Interaction Centre at 111-06-06-06.
How do I know my Credit Limit?
Your Credit Limit appears on your RBS Credit Card statement, which shows your total shared limit (if you hold more than one RBS Credit Card). Please refer to the enclosed Card mailer for more information.
How do I know how much I have to pay?
Your RBS Credit Card statement will indicate the minimum payment as well as the payment due date (If you hold more than one RBS Credit Card), the minimum payment due for each card will appear in their respective statements separately.
Do I have to clear my entire outstanding balance at the end of each month?
You have the option of paying the entire availed amount or paying as low as 5% of your outstanding balance or PKR 500,
whichever is higher on each RBS Credit Card that you hold.
How do I make my monthly payments?
If you hold more than one of our RBS Credit Card, please note that you will receive separate statements for each RBS Credit Card. Therefore, please ensure that monthly payments are made separately for each RBS Credit Card.
You may use any of the following methods to make monthly payments:
- Cheques can be deposited at any of our Drop Box locations.
Kindly do not deposit cash in any of the drop boxes
- Cheques drawn on a bank outside the city should be dropped at least 7 working days before the Payment due date
- Cheques drawn on a bank within the city should be dropped at least 3 working days before the Payment due date
- Pay orders
- Cash payments over-the-counter at any of our branches (charges applicable as per our Schedule of Charges)
- Balance Transfers from other banks
You can also call our Customer Interaction Centre at 111-06-06-06 for:
- Funds Transfer if you have an account with us
- Full or minimum payment via Auto Debit option if you have an account with RBS
Please note that if you hold more than one RBS Credit Card, separate Auto Debit / Funds Transfer Requests will have to be placed for each RBS Credit Card.
How can I make payments if I am abroad?
If you are living outside Pakistan, we recommend that you make a telegraphic transfer (charges applicable as per the Schedule of Charges) through a local bank in Pakistani Rupees. You may also take advantage of the Auto Debit facility, which would be a safer and faster way of making payments towards your RBS Credit Card. Please note that if you hold more than one RBS Credit Card, charges will be applicable for payment to each RBS Credit Card separately.
How much cash can I withdraw on my RBS Credit Card?
You can withdraw cash up to 50%* of your available shared credit limit (if you hold more than one of our Credit Cards). For example, if your shared credit limit is PKR 300,000 and your cash withdrawal limit is 50%, you can withdraw up to PKR 150,000.
*Terms and Conditions apply.
How should I handle an address change?
You can simply inform us of your new mailing address by calling our Customer Interaction Centre at 111-06-06-06 from your contact numbers (office / residence / mobile) registered on our system.
Will I be charged a fee for cash withdrawal / cash advance?
For cash withdrawals through ATMs or over-the-counter transactions, a nominal fee will be charged as per the Schedule of Charges.
If I withdraw cash from my assigned Credit Card limit, then how much Service fee will I be charged?
For example, if you conduct a cash transaction of PKR 10,000 on the 10th of January and your bill is generated on the 20th of January then you will be charged with a Service fee in the same bill of PKR 119.17 and your total outstanding will be PKR 10,119.17.
The above calculations are based on an assumption of 39% APR, however, the Service fee may change as communicated from time to time through Schedule of Charges but the method of calculation will remain same. In case of Cash Advance, the Services fee will be charged on the daily unpaid balance of your Credit Card account from the date of transaction till the time full payment is posted.
Are Utility Bill payments considered a cash transaction or a retail transaction?
They are considered as retail transactions. RBS mc² Credit Card and RBS Ufone Credit Card customers may earn Reward Points and RBS airblue MasterCard customers may earn BlueMiles by conducting such transactions.
How is the mark-up on the Installment Plan calculated?
Your mark-up is calculated by multiplying the mark-up rate and the principal amount.
For example, on an Installment Plan of PKR 120,000 booked for a tenure of 24 months; your mark-up for a month will be calculated by multiplying the mark-up rate and the principal amount.
PKR 120,000 (principal) x 0.02 (monthly mark-up rate) = PKR 2,400
As indicated above, the mark-up is calculated on your transaction amount on a monthly basis with an assumption of 2% monthly mark-up rate. However, the Installment Plan mark-up rate may change as communicated from time to time through the Schedule of Charges but the method of calculation will remain the same
How is your monthly installment amount calculated?
Using the same example as above, you have booked an Installment Plan of PKR 120,000 for 24 months:
Your monthly principal component is calculated by multiplying the factor given in the table below for the tenure booked by the principal amount i.e.
| 6 |
12 |
18 |
24 |
30 |
36 |
42 |
48 |
54 |
60 |
| 0.1666 |
0.0833 |
0.0555 |
0.0416 |
0.0333 |
0.0277 |
0.0238 |
0.0208 |
0.0185 |
0.0166 |
0.0416 (factor) x PKR 120,000 (principal) = PKR 4,992
Your monthly principal component for 23 months will be PKR 4,992 as given above and the remaining principal amount will be part of your last monthly principal component. Hence, your last monthly principal component will be PKR 5,184
Your installment amount for 23 months will be calculated as follows:
(Principal component) + (mark-up for the month) or PKR 4,992 + PKR 2,400 = PKR 7,392
Your last installment amount i.e. for 24th month will be calculated as follows:
(Principal component) + (mark-up for the month) or PKR 5,184 + PKR 2,400 = PKR 7,584
If I make a minimum payment or amount less than the full balance, then how is the Service fee calculated on my retail transaction?
For example, if you conduct a retail transaction of PKR 15,000 on the 10th of January and your bill is generated on the 20th of January and you make a minimum payment of PKR 750 on the 7th of February, then you will be charged with a Service fee in the next bill generated on the 20th of February of PKR 671.13 and your total outstanding will be PKR 14,921.13.
The above calculations are based on an assumption of 39% APR, however, the Service fee may change as communicated from time to time through Schedule of Charges but the method of calculation will remain same.
The Service fee will be charged on each retail transaction from the transaction date to the date the statement is generated. For retail transactions, if you pay the minimum amount or any
amount less than the full balance by the Payment Due Date,
then for the transactions covered by the payment, the Service fee will be charged from the transaction date to the payment posting date. For the unpaid balance, a Service fee will be charged from the billing cycle date to the date the next Statement of Account is generated.
For all retail transactions, if full payment is received within the payment due date then no Service fee will be charged.
Can I transfer the outstanding balances from other banks’ loan accounts or Credit Cards to my RBS Credit Card?
Yes, you can transfer your outstanding balances to any of your RBS Credit Cards.
What if I have a discrepancy / error on my monthly statement?
If you notice any discrepancy in your monthly statement, report the matter to our Phone Banking Officer at 111-06-06-06, within 14 days of receipt of your statement.
In order to check statement entries, retain all your sales slips and printed receipts. This will help you keep a record of all your transactions.
What is the Rewards Program?
It is a program, which allows you to accumulate and redeem points instantly on your RBS mc² Credit Card and RBS Ufone Credit Card through ORIX terminals at selected redemption partner outlets.
What is the BlueMiles Program?
It is a program which allows you to accumulate and redeem BlueMiles on your RBS airblue MasterCard for free airblue tickets. You can accumulate a BlueMile against every
PKR 50 that you spend on your RBS airblue MasterCard and against every mile that you travel on airblue.
How can I enroll myself in the Rewards / BlueMiles Program?
You are automatically enrolled in the Rewards Program once you have acquired an RBS mc² Credit Card or an RBS Ufone Credit Card. You are automatically enrolled in the Blue Miles Program once you have acquired an RBS airblue MasterCard.
When can I redeem my Rewards Points?
Once you have accumulated a minimum of 500 Reward Points, you may start redeeming your Reward Points by using your RBS mc² Credit Card or your RBS Ufone Credit Card at selected redemption partner outlets. In case you hold an RBS Ufone Credit Card, you can also call our Customer Interaction Centre at 111-06-06-06 to transfer / redeem your Reward Points against Ufone airtime.
Where can I redeem my BlueMiles?
There is a specific number of BlueMiles you need to accumulate depending upon the class and destination of the journey. For more information on the BlueMiles Redemption structure you can visit www.rbs.com.pk or www.airblue.com
Once you accumulate the required number of BlueMiles for the destination and class of your choice, please go to any airblue ticketing centre or visit their website at: •www.airblue.com to redeem your BlueMiles.
How do I keep a record of my Reward Points / BlueMiles?
The status of your Reward Points will appear on your monthly Credit Card statement if you are an RBS mc² or RBS Ufone Credit Cardholder. You can also use ORIX terminals at selected redemption partner outlets to check the number of Reward Points you have accumulated or simply call our Customer Interaction Centre at 111-06-06-06 for your Reward Points update. If you are an RBS airblue MasterCard holder, you will get a monthly status report of your Blue Miles against your spend for that specific month on your monthly Credit Card statement. However, for your total Blue Miles accrual please call 111-AIR-BLU (111-257-258) or visit the airblue website at www.airblue.com
Can I make multiple purchases using my Reward Points?
Yes! Instant Reward Redemption allows you to redeem multiple purchases at multiple places as long as the sum is equal to or less than the total Reward Points earned. You can also make purchases which cost more than the value of your accumulated Reward Points by settling the remaining balance through your RBS Credit Card.
Can I redeem my Reward Points outside Pakistan?
You can only redeem your Reward Points at participating redemption partner outlets in Pakistan.
Can I exchange my Reward Points / BlueMiles for cash?
Your accumulated Reward Points or BlueMiles can not be exchanged for cash.
Can my Supplementary Card members earn Reward Points / BlueMiles?
Transactions made on Supplementary Cards will earn Reward Points / BlueMiles on the Primary Cardmember’s account. They will be posted on the Primary Cardmember’s monthly RBS Credit Card statement and may be used for redemption only by the Primary Cardmember. However, the RBS airblue MasterCard Supplementary Cardholders will be awarded BlueMiles on travel separately if they have their own FF number with airblue.
What happens to my Reward Points / BlueMiles when my RBS Credit Card is upgraded or downgraded?
In the event of an upgrade / downgrade, your Reward Points / BlueMiles will be transferred to your new RBS Credit Card account.
Do I have to pay a fee to participate in the Rewards / BlueMiles Program?
No, there is no fee. You will automatically be enrolled in the Rewards Program if you hold an RBS mc² Credit Card or an RBS Ufone Credit Card. You will automatically be enrolled in the Blue Miles Program if you hold the RBS airblue MasterCard.
Do I earn Reward Points / BlueMiles for all my transactions?
You will earn 1 Reward Point / BlueMile for every PKR 50 you spend on all retail purchases, utility bill payments, as well as balance transfer transactions, whether you use your RBS Credit Card in Pakistan or abroad.
You will earn 4 Reward Points for every PKR 50 of your Ufone monthly bill posted on your RBS Ufone Credit Card through the Direct Debit option.
However, you will not earn Reward Points / BlueMiles on
mark-up charges, cash withdrawals, cash advance fee, late payment fee, over limit fees, return cheque fee, conversion fee, disputed transactions and insurance cover premiums.
What do I need to do to make sure BlueMiles are added to my account after travel?
At the time of purchase of your airblue ticket, please make sure you quote your FF number. This will ensure that after 14 days of your travel we can credit your Frequent Flyer account with your BlueMiles.
What happens to my Reward Points / BlueMiles if I cancel my RBS Credit Card?
In the event that you cancel your RBS mc² Credit Card or your RBS Ufone Credit Card, your Reward Points will be forfeited.
However, if you have both of these Credit Cards, and you canceled one card, the cancelled Credit Card’s Reward Points will be transferred to your other RBS Credit Card. If you cancel your RBS airblue MasterCard then your Blue Miles will not be transferred to any of our other Credit Cards, although your Blue Miles earned remain active and running on your FF Account.
What if my RBS Credit Card or any of my Supplementary Card(s) is lost, stolen or misplaced?
In the event that any of the RBS Credit Card is lost, stolen or misplaced, please report it immediately to one of our Phone Banking Officers at 111-06-06-06. After you have informed us, you will instantly be secured against any unauthorized transactions.
What if I don’t want my RBS Credit Card, and / or wish to cancel it?
If you do not wish to continue using your RBS Credit Card, please cut the card in two halves, destroy the chip and send both halves to our Client Services and Issue Management department.
Can I change my PIN?
Yes, you can request for a PIN change by calling our
Customer Interaction Centre at 111-06-06-06. Please note that your new PIN will be system generated and you can change it at any ATM.
What should I do if I have problems with my RBS Credit Card account?
If at any time you face a problem regarding your RBS Credit Card account, please report to us by calling our Customer Interaction Centre at 111-06-06-06 and your complaint will be resolved within 3* working days. Please refer to the enclosed list of MasterCard Global Service contacts in the event of an emergency abroad. You can also email your inquiries online at: service@rbs.com.pk. For any complaints regarding any of your RBS Credit Cards, you may contact the Client Service and Issue Management Team at the aforementioned email address or at the following address:
Mailing Address:
Client Service and Issue Management (CSIM),
Credit Card Services,
16, Abdullah Haroon Road, Karachi.
Fax: (021) 3565 0814
*Turn around time may exceed depending on the nature of the complaint
How do I activate my Ufone  SIM?
Simply call our Customer Interaction Centre at 111-06-06-06 and convert your Ufone SIM (delivered with the RBS Ufone Credit Card) to Ufone To convert an existing Ufone  SIM to Ufone please visit your nearest Ufone Service Centre.
Who do I call if I have problems with my Ufone connection?
For any problems with the usage or billing of your Ufone connection(s) call the Ufone Call Centre by dialing 333 from your Ufone number or 111-333-100 from a landline number.
If I cancel my RBS Ufone Credit Card what will happen to my Ufone connection?
Upon cancellation of your RBS Ufone Credit Card your Ufone connection will be blocked. To continue using your Ufone connection, visit any Ufone outlet and submit the security deposit to continue the service.
Is my Ufone limit part of the Credit Limit?
The Credit limit which is set on your Ufone connection is the amount by which your limit on the RBS Ufone Credit Card is blocked. If you hold more than one of our Credit Cards, this amount will be blocked from your shared limit. Standard Cardholders can enjoy the limit of PKR 4,000 on their Ufone connection. Gold Cardholders can enjoy a limit of PKR 20,000 (accumulative of both connections).
Who do I call if I have problems relating to my BlueMiles account?
For any problems, pertaining to your BlueMiles account, please call 111-AIR-BLU (111-247-258). All matters relating to BlueMiles are the sole responsibility of airblue.
How many Bonus BlueMiles do I receive upon creation of my BlueMiles account?
You will receive 1,000 Bonus BlueMiles upon the creation of your BlueMiles account. If you already hold frequent flyer membership with airblue, then you will not receive the Bonus BlueMiles.
How will I log-in to my BlueMiles account via website?
Upon creation of your BlueMiles account your log-in (which is your Frequent Flyer Account Number embossed on your RBS airblue MasterCard) and your initial password (which will be your last 6 digits of your CNIC) will be used to access your BlueMiles account through www.airblue.com
How can I change my password to my BlueMiles account?
To change your password, visit the airblue website at:
www.airblue.com or call at 111-AIR-BLU (111-247-258)
What if I forget my password to my airblue BlueMiles account?
If you forget your password, please call at 111-AIR-BLU
(111-247-258) or visit the airblue website at: www.airblue.com for assistance.
|
