Choose a Royal Secure credit card

To get started, check your eligibility with our tool, Simple Check. You'll see all our cards that you can apply for.

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About our credit card options

Compare the different types of Royal Secure credit cards.

Everyday spending credit cards

A card for shopping, bills and any other day-to-day spends. Usually come with a low interest rate on card purchases.

Everyday credit cards

Balance transfers credit cards

Move existing credit or store card balances to a single credit card. Usually come with an introductory interest rate offer.

Balance transfer credit cards

Large purchases credit cards

Spread payments of larger purchases instead of paying up front. Usually come with an introductory interest rate on purchases.

Large purchases credit cards

Travel credit cards

A credit card you can use at home and overseas.

One interest rate on everything.

Travel credit cards

Check your eligibility to get started

You'll see:

  • the credit cards you’re likely to be accepted for
  • your estimated credit limit.

It doesn't affect your credit score. Credit is available subject to status.

Check now


Frequently asked questions

  • Rather than show every credit card we offer, by checking your eligibility first, we’ll only show you the cards you can apply for. You’ll also see what credit limit and interest rate you’re likely to get before you apply. This means you’re less likely to be declined or given a different offer when you make a full application.

    Check your eligibility without affecting your credit score. 

  • You can apply for a Royal Secure credit card if:

    • You are a UK resident, aged 18 or over, with a regular annual income.
    • You are free of County Court Judgements (CCJs), Individual Voluntary Agreements (IVAs) or bankruptcies.
    • You are not unemployed or a student.
    • You have not been declined for a Royal Secure credit card within the last 30 days.

    When you check your eligibility, you’ll need a few bits of basic information to hand. This includes things like your addresses for the last 3 years, bank details, annual income, spending commitments, and a few other details.

    Learn more about how to apply for a credit card.

  • The interest rate and credit limit you’re offered will depend on a few factors. These can include your spending history, income, spending commitments, how you’ve managed credit in the past, and more. All this will be determined during the eligibility and application process.

    You can do an eligibility check to see your estimated credit limit and interest rates before you apply. The eligibility check won’t affect your credit score and will take a few minutes.

  • A credit card can help you take control of your finances, but it needs to be the right option for your needs. Not all borrowing options are appropriate for all situations.  For example, you may decide a credit card is not suitable with which to buy a car and may decide that a loan might be more suitable for you. However, if you need more flexibility over your monthly repayments, a credit card could provide that.

    Learn more about the borrowing options available, including credit cards, loans, arranged overdrafts, and more, to help decide which is right for you.

  • This depends on what you want to use it for, and your individual circumstances.

    Each type of credit card we offer is suitable for a different purpose. For example, our travel credit cards might be suitable for your spending at home and abroad, but a balance transfer card could help you to bring other credit and store card balances into one place.

    Read through everything on this page and take a look at our guide on how to choose a credit card to learn more about which card might be right for you.

  • No. It only does a ‘soft’ credit search that can’t be seen by other lenders, so they can’t use it when making a lending decision. If you go ahead and apply for a credit card then we will perform a full credit check. This could impact your credit score. Credit is available subject to status.

  • Some of the top tips for using a credit card include:

    • Borrow only what you can afford.
    • Don't go over your credit limit.
    • Know the cost of borrowing.
    • Check statements carefully.
    • Keep your card and PIN safe.
    • Make payments on time.

    See our managing a credit card guide to read more about these tips and the best ways to manage a credit card.

Help & Guidance

Learn more about how credit cards work, get help with your account and find out what support we offer. 

Learn about credit cards

Check out our guides to learn more about how credit cards work. 

How do credit cards work?

Using a credit card abroad

Credit card fees and charges

Cash transactions

How to improve your credit score


More help & guidance

Existing customers

If you’ve already got a credit card with us, you’ll find everything you need to look after it here.

Activate your new card

How to pay your bill

Make a change to your account

Report your card lost or stolen


More existing customer help

Set up our Mobile Banking app

Everyday banking on the go where you can:

  • View account statement and search transactions
  • View pending transactions
  • Report a card as lost or stolen or temporarily freeze it
  • View PIN and card details
  • Sign in securely using fingerprint or Face ID with a compatible device

Download on the App StoreGet it on Google Play



Step by step guide to setting up the app

  • Available to Online Banking customers with a UK personal account and valid registered phone number.

    Our app is available on devices running iOS or Android. The app is not compatible with some older versions of the operating systems – check the App Store or Google Play for more details.

    Our app does not work on jailbroken or rooted devices. Device registration required.

    Terms and conditions apply.
    Mobile Banking services may be affected by phone signal.

Support with the cost of living

With the rising cost of living, it's natural to worry about your money. To help you manage your money, we have some useful tips and tools. 

Making sure you get a fair deal

Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.

Royal Secure is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.