Thursday, December 13, 2012



Royal Bank of Scotland Secured Card

Royal Bank of Scotland Secured Card-10


Description
The Royal Bank of Scotland has introduced Royal Bank of Scotland Secured Card to its customers. Best Credit Cards in India reviews it and found it best credit card against fixed deposit.



The Royal Bank of Scotland always provides best financial services and products to its valuable customers. This time Royal Bank of Scotland comes with Royal Bank of Scotland Secured Card that can be availed against fixed deposit and savings account with the bank. There are four verities of this card such as Platinum card, new Gold card, titanium card and Freedom card. We at Best Credit Cards in India has reviewed this credit card and found it an exceptional choice. 

How to apply for a Royal Bank of Scotland Secured Card

If you are going to apply online for this credit card then you need to follow stated below steps.

Ø  You need to first visit its official web portal www.rbs.in/  and download an application form.
Ø  Now fill this application form with mandatory information such as your complete name, your home address, your date of birth, email address, profession and one valid mobile or landline number.
Ø  Once your application would be approved, bank official would call you for further procedure.
Ø  Having been called by the bank official, you need to visit the nearest branch along with legal documents such as your identity proof, your address proof, proof of income, bank statement etc.

Eligibility criteria for applying for Royal Bank of Scotland Secured Card

If you want to get a Royal Bank of Scotland Secured Card then you should follow stated below steps.

Ø  You should have a saving account or fixed deposit with Royal Bank of Scotland as these credit cards are given only those candidates who have accounts or FD with the bank.
Ø  The limit of fixed deposit depends on which one credit card you choose.
Ø  You do not need to show your income proof.
Ø  Your bank account should be at least six months old.

Added advantages and features

The additional features and benefits of Royal Bank of Scotland Secured Card are given below.
Ø  You can get this credit card against your fixed deposit or saving account with Royal Bank of Scotland.
Ø  You will be given interest on your fixed deposit or saving account in spite of taking a Royal Bank of Scotland Secured Card.
Ø  You will be provided exciting reward program.
Ø  This credit card comes with huge global acceptance. By using this card, you can access more than 23 million ATMs across the world.
Ø  You will be given cash withdrawal facility of up to 30% of your total credit limit.

Late fee charges

Late payments charges would be up to which one secured card you choose. However, the late fee charges would be 15% of total due amount or minimum INR 350 and maximum INR 600 or 650.

Details about extended credit limits

If you want to extend your card’s credit limit then you should visit the nearest branch along with your updated income or bank documents. Bank official will review your latest income documents. After approving of your documents, your card’s credit limit would be extended.

Transaction charges for Royal Bank of Scotland Secured Card

Ø  Transaction fee for transaction of foreign currency would be only 3.5%.
Ø  Fuel surcharge would be 2.5% however if you purchase fuel for up to INR 10,000 then fuel surcharge would be waived.
Ø  Transaction charge for cash advance would be 2.5% or minimum INR 300.

If you wish to apply for Royal Bank of Scotland Secured Card then you need to visit at www.rbs.in/







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