How do I activate my RBS Platinum Credit Card?
Upon receiving your RBS Platinum Credit Card, call our Platinum Call Centre at 111-11-71-71 from your contact number (office / residence) registered on our system to get it activated.
How can I get an RBS Supplementary Platinum Credit Card?
You can obtain an RBS Supplementary Platinum Credit Card application from any of our branches and duly filled forms can then be deposited at any branch. For further information, please call our Platinum Call Centre at 111-11-71-71.
How do I know my credit limit?
Your credit limit appears on your RBS Platinum Credit Card statement. Please refer to the enclosed Cardmailer for more information.
How do I know how much to pay?
Your RBS Platinum Credit Card statement will indicate the minimum payment as well as the payment due date. 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.
How do I make my monthly payments?
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
- Pay orders
- Cash payments over-the-counter at any of our branches (charges applicable as per the Schedule of Charges)
- Balance Transfers from other banks
You can also call our Platinum Call Centre at 111-11-71-71 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
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 Platinum Credit Card.
How should I handle an address change?
You can simply inform us of your new mailing address by calling our Platinum Call Centre at 111-11-71-71 from your contact number (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 limit, then how much service fees 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 a service fees in the same bill of PKR 119.17 and your total outstanding amount hereon will be PKR 10,119.17.
The above calculation is based on an assumption of 39% APR. However, the service fees may change as communicated from time to time through the Schedule of Charges but the method of calculation will remain the same. In case of cash advance, the service fees will be charged on the daily unpaid balance of your RBS Platinum Credit Card account from the date of transaction till the time the full payment is posted.
Are Utility Bill payments considered a cash transaction or a retail transaction?
They are considered as retail transactions. You may also earn Reward Points by conducting such transactions.
How is 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.
| Tenure |
6 |
12 |
18 |
24 |
30 |
36 |
42 |
48 |
54 |
60 |
| Fador |
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 fees 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 fees in the next bill generated on the 20th of February of PKR 671.13 and your total outstanding will be PKR 14,921.13.
Another example would be 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 fees 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 fees may change as communicated from time to time through the Schedule of Charges but the method of calculation will remain the same.
The service fees 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 fees will be charged from the transaction date to the payment posting date. For the unpaid balance, a service fees 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 fees will be charged.
What if I have a discrepancy / error on my monthly statement?
If you notice any discrepancy in your monthly statement, report the matter to the Platinum Service Representative at 111-11-71-71 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.
How do I keep a record of my Platinum Reward Points?
The status of your Platinum Reward Points will appear on your monthly RBS Platinum Credit Card statement. You can also use ORIX terminals at selected redemption partner outlets to check the number of Platinum Reward Points you have accumulated or simply call the Platinum Call Centre at 111-11-71-71 for your Reward Points update.
Can I make multiple purchases using my Platinum 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 Platinum Reward Points earned. You can also make purchases which cost more than the value of your accumulated Platinum Reward Points by settling the remaining balance through your RBS Platinum Credit Card.
Can I redeem my Platinum Reward Points outside Pakistan?
You can only redeem your Platinum Reward Points at participating redemption partner outlets in Pakistan.
Can I exchange my Platinum Reward Points for cash?
Your accumulated Platinum Reward Points cannot be exchanged for cash.
Can my RBS Supplementary Platinum Credit Card earn Platinum Reward Points?
Transactions made on the RBS Supplementary Platinum Credit Cards will earn Platinum Reward Points on the Primary Cardmember’s account. They will be posted on the Primary Cardmember’s monthly RBS Platinum Credit Card statement and may be used for redemption only by the Primary Cardmember.
What happens to my Platinum Reward Points if my RBS Platinum Credit Card is upgraded or downgraded?
In the event of an upgrade / downgrade, your Platinum Reward Points will be transferred to your new RBS Credit Card account.
Do I have to pay a fee to participate in the Platinum Rewards Program?
No, there is no fee. You will automatically be enrolled in the Platinum Rewards Program once you receive your RBS Platinum Credit Card.
Do I earn Platinum Reward Points for all my transactions?
You will earn Platinum Reward Points on all transactions except on mark-up charges, cash withdrawals, cash advance fees, late payment fees, over limit fees, return cheque fees, conversion fees, disputed transactions and insurance cover premiums.
How do I obtain a Frequent Flyer number if I want to convert my Platinum Reward Points to airblue BlueMiles?
You can obtain a Frequent Flyer number by creating your Frequent Flyer account. This can be done either through the airblue website www.airblue.com or by calling at 111-AIR-BLU (111-247-258).
What happens to my Platinum Reward Points if I cancel my RBS Platinum Credit Card?
In the event that you cancel your RBS Platinum Credit Card your Platinum Reward Points will be forfeited.
What if my RBS Platinum Credit Card or any of my Supplementary Card(s) is / are lost, stolen or misplaced?
In the event that any of the RBS Platinum Credit Card is lost, stolen or misplaced, please report it immediately to our Platinum Service Representative at
111-11-71-71. After you have informed us, you will instantly be secured against any unauthorized transactions.
What if I don’t want my RBS Platinum Credit Card, and / or wish to cancel it?
If you do not wish to continue using your RBS Platinum Credit Card, please cut the card in two halves, destroy the chip and send both halves to our Client Services and Issue Management team.
Can I change my PIN?
Yes, you can request for a PIN change by calling our Platinum Call Centre at
111-11-71-71. 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 Platinum Credit Card account?
If at any time you face a problem regarding your RBS Platinum Credit Card account, you may call our Platinum Service Representative available 24 hours a day at 111-11-71-71. 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 Platinum Credit Card(s), 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) 565 0814
For more information on the RBS Platinum Credit Card please call our Platinum Call Center at 111-11-71-71
