RBS Smart Gold Credit Card : Royal Bank of Scotland : Rupee Times

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CREDIT CARD DETAIL

RBS Smart Gold Credit Card

Card Highlights

Card Class	Gold
Card Type	Travel
Issuer	Royal Bank of Scotland
Offered Type	MasterCard
Rewards	Travel

Main Features

The card allows Smart Reward Points to be converted to Smart Miles and fly free. The points can be redeemed against holiday packages at exotic locations. You earn 2 Smart Reward Points for every Rs. 100/- that you spend All international transactions earn 50% more Smart Reward Points The Cardholders can now redeem their smart miles against cash Complementary add on card for life

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 500
Annual Fee	Rs 2000
Add On Card Fee	Rs 750
Cash Advance Transaction Fee	Minimum Rs 300
Finance charges on cash advances /extended credit	42% per annum
Penalty Interest Rate	15%
Late Payment	15% Min.: Rs 350 Max.: Rs 650
Limited Lost Card Liability	Rs 200
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 200
Emergency Replacement(when overseas)	USD 148
Foreign Currency Transaction Charges	Transactions at merchant establishments that are registered overseas, even if the merchant is located in India attract a charge of 0.80% from MasterCard.
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	Yes
Global Emergency Assistance Service	Yes

Insurance:

Hospitalization Benefits

No

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CARDS BY ISSUERS

American Express

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Bank of Baroda

Bank of India

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Central Bank of India

Centurion Bank of Punjab

Corporation Bank

Deutsche Bank

Dhanlaxmi Bank

Indian Bank

Indian Overseas Bank

IndusInd Bank

Jammu & Kashmir Bank

Kotak Mahindra Bank

Punjab National Bank

Reliance Capital Ltd.

Royal Bank of Scotland

Standard Chartered Bank

State Bank of India

Syndicate Bank

Union Bank of India

United Bank of India

Vijaya Bank

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