One Credit Card : Royal Bank of Scotland : Rupee Times

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CREDIT CARD DETAIL

RBS One Credit Card

Card Highlights

Card Class	Standard (Shopping)
Card Type	Cash Back
Issuer	Royal Bank of Scotland
Offered Type	MasterCard
Rewards	Cash Back

Main Features

It ensures that you save on every purchase using the card. It offers Cash Back facility on all purchases. The more you purchase, the higher is the cash back amount. The maximum Cash Back per month per card is Rs.500. Thus, you can save Rs.6000 every year.

Credit Card Rates

Purchases:

Intro Interest Rate	0% per month
Introductory Period	0 month
Interest Rate	0% per month

Balance Transfers:

Intro Interest Rate	0% per month
Introductory Period	0 month
Interest Rate	1.49% per month

Fees & charges

Fees & charges

Joining Fee	Rs 295
Annual Fee	Rs 595
Add On Card Fee	Rs 295
Cash Advance Transaction Fee	Minimum Rs 300
Finance charges on cash advances /extended credit	42% per annum
Late Payment	15% Min.: Rs 350 Max.: Rs 650
Over Limit Charges	Min.: Rs 600 Max.: Rs 600
Cheque Bounce Fee	Min.: Rs 500 Max.: Rs 500
Return of Cheque Fee	Min.: Rs 500 Max.: Rs 500
Invalid Cheque Fee	Min.: Rs 500 Max.: Rs 500
Outstation Cheque Processing Fee	Rs 100
Dial a Draft Fee	2.5% Min.: Rs 300 Max.: Rs 300
Duplicate Statement Request Charges	Rs 100
Replacement Card Charges	Rs 100
Emergency Replacement(when overseas)	USD 148
Air/Railway Booking Comment	IRCTC Service Charge^ + Payment Gateway Transaction Charges [Upto 1.8% of (Ticket Amount + IRCTC Service Charge)] ^ Refer IRCTC website for details
Foreign Currency Transaction Charges	3.5%
Retrieval Fee/Copy Request Fee	Rs 100
Service Tax	10.3%

Rewards & Benefits

Services & Features

Services & Features

General Features:

Photo Option	No
Add On Card	Yes
Internet Web Based Access	Yes
Coverage	International
Concierge Service	No
Invitation to Special Events	No
Road Assistance	No
Forex & Travel Cheque Services	No
Access to 24-Hour Customer Care Centre	Yes
Personal Loan Facility	No
EMI on Call Facility	No
Dial a Draft Facility	Yes
Rewards Programme	No
Global Emergency Assistance Service	Yes
No. of ATMs (Global)	650000
No. of ATMs (India)	2900

Insurance:

Hospitalization Benefits

No

Show All Credit Cards

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IndusInd Bank

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Royal Bank of Scotland

Standard Chartered Bank

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