Welcome to The Royal Bank of Scotland Limited

If you hold more than one RBS Credit Card you will receive separate monthly statements for each RBS Credit Card at your correspondence address. Your statement generation date will be the same for all RBS Credit Cards. Please make your monthly payments towards each card separately according to the outstanding / minimum amount stated on the respective RBS Credit Card statement.

Correspondence Address

Your correspondence address will be the same for all RBS Credit Cards. To have your address updated, kindly ensure that you call our Customer Interaction Centre at 111-06-06-06 from your contact numbers (office / residence / mobile) registered on our system.

Complaints

If you do not receive any of the RBS Credit Card monthly statements, please call our Customer Interaction Centre at 111-06-06-06 to request for a duplicate copy which will be mailed to your correspondence address.

Smart Chip, Smart Technology, Smart Cards

Security – the Smart Chip embedded in the surface makes it a safer way to spend
Technologically Advanced – the Multos Chip is not only technically capable of storing a large amount of data, but will also be able to store personal data like your medical records, driving license details, your Identification Card information, etc. in the future!

MasterCard - Global Reach and Acceptability

The RBS Credit Card carries the logo ensuring worldwide acceptability at more than 24 million establishments in over 210 countries including thousands of locations in Pakistan, displaying the , or logo.

Dial-a-Draft

A facility that comes with enhanced Security and Peace of Mind.

Request a payorder from your numbers (office / residence / mobile) registered on our system
Pay order will be crossed as ‘Account Payee Only’ and made in the name of the Credit Cardholder
Unauthorized individuals will not be able to encash the pay order (since it is crossed as ‘Account Payee Only’)
Minimum amount of PKR 5,000 (up to the available cash limit on your Credit Card)
Choose to book the pay order amount on to the Installment Plan for 6 to 60 months with a low mark-up rate of 2% per month
Free delivery of the pay order through a reliable courier service at your home or office address within 7 working days
C.N.I.C. copy of the Cardholder will be required upon delivery of the pay order
A processing fee will be charged as per the Schedule of Charges

Balance Transfer Facility

Transfer outstanding balances from any other Credit Card to your RBS Credit Card at a low financial charge of only 2% per month
Longest tenure offered in the market of 6 to 60 months (in multiples of 6)

Simply call our Customer Interaction Centre at 111-06-06-06 from your Contact numbers (office / residence / mobile) registered on our system to request for a Balance Transfer.

Auto Debit Facility

Avail the unique advantage where you Spend Now and Pay Later.

RBS Credit Card payments can be deducted directly from your RBS account. You may avail either Full Payment or Minimum Payment Auto Debit option to make payments:

Incase of Minimum Payment, you may pay the minimum of 5% of your total outstanding balance or PKR 500, whichever is higher by the payment due date as billed in the applicable RBS Credit Card monthly statement of account(s). The remaining amount will be carried forward to the next month, inclusive of any applicable charges

Incase of Full Payment, you may pay the total outstanding amount as billed in the applicable RBS Credit Card monthly statement of account(s)

If you have more than one RBS Credit Card, the minimum monthly amount will appear separately for each card on its respective statement

If you have not availed this facility yet, call our Customer Interaction Centre at 111-06-06-06 to enable the Auto Debit facility. You may also visit our nearest branch to activate this facility.

If you hold more than one RBS Credit Card, please activate this facility separately for each card.

Cash Advance Facility

The RBS Credit Card comes with a Cash Advance facility of up to 50%* of your total credit limit. If you hold more than one RBS Credit Card you can take upto 50%* of your shared credit limit. Therefore, you will never be in a crunch for cash!
You can use any ATM in the world that displays the , or logo for this facility.

*Terms and Conditions apply

Utility Bill Payments

Your RBS Credit Card makes it easy for you to make your Utility Bill Payments. Simply call our Customer Interaction Centre at 111-06-06-06 from your Contact numbers (office / residence / mobile) registered on our system to make your payments.

Supplementary Cards

If you are the Primary Cardholder, you can have up to 5 Supplementary Cards for persons aged 18 and above
If you hold more than one RBS Credit Card, you can have up to a maximum of 5 Supplementary Cards of your choice for each primary card in your possession
Supplementary Cards share your basic credit limit but carry separate card numbers
All transactions conducted by Supplementary Cardholders will be the liability of the Primary Cardholder
In case of loss or theft, only the affected RBS Credit Card will be replaced
All charges incurred on all RBS Credit Cards are reported on the monthly statement of the Primary Cardholder

Simply call our Customer Interaction Centre at 111-06-06-06 and request for a Supplementary Card. You can also download the application form from our website.

The Installment Plan

We present the Installment Plan, offering convenience and flexibility!

Greater convenience - Just pay 2% per month in equal monthly installments
Flexibility – tenures of up to 5 years (6 to 60 months in multiples of 6)
Pay your annual fee in 12 equal monthly installments at 0% mark-up

How to book an Installment Plan?

Call our Customer Interaction Centre at 111-06-06-06.
Inform our Phone Banking Officer of the details pertaining to the Installment Plan including the amount to be booked (minimum amount of PKR 5,000).
Choose from a tenure of 6 to 60 months (in multiples of 6).

For each Installment Plan that you book on your RBS Credit Card, the installment principal amount plus the installment interest amount (which is your Equal Monthly Installment amount) for the month will be displayed on your statement separately. Additionally, the remaining accumulative principal balance of all Installment Plans booked by you on your RBS Credit Card will appear separately towards the bottom of your RBS Credit Card billing statement.

eCIB Reporting

As one of the mandatory requirements of the State Bank of Pakistan, we report all loans and advances issued to our customers, irrespective of the loan amount, to the State Bank through the Electronic Credit Information Bureau (eCIB) reporting system.

We will therefore like to bring to your attention that any defaults or delays in making regular payments against your RBS Credit Card bills can affect your credit worthiness and you may be unable to avail further financing from the banking system. Additionally, in the case of RBS Credit Cards, your default history will be maintained for a certain period after adjustment of the default amount.

For further information on eCIB, please visit the following website: www.sbp.org.pk/ecibhelpdesk

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