CREDIT CARDS FOR STUDENTS

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As a student it can be difficult to get credit. Students generally have to watch their funds carefully – with no regular income but with everyday living costs (plus a social life!), a student has to manage finances well. There are times when they may need access to credit to cover expenses. We advise students that get student credit cards, use it sparingly – in times of unexpected expenses.

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Most of the student credit cards will have the credit limit capped at a low amount so you will not be able to get into too much debt. Also keep an eye on the representative APR – it is usually a bit higher than normal credit cards as a student lacks the security of a regular income. Also, remember that with representative APR, only 51% of customers must receive the rate that is displayed. If you just need a card to spend online and in shops, rather than actual credit, you may research prepaid cards rather than student credit cards which won't get you into debt.

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CARD NAME ISSUERREPRESENTATIVE
APR 		BALANCE TRANSFER RATE BALANCE TRANSFER PERIOD PURCHASE RATE PURCHASE PERIOD CASHBACK APPLY
Natwest Student Credit Card
Natwest Student Credit Card		mastercard18.9%
Example

Representative Example

Assumed borrowing of £1,200; Representative 18.9% APR (variable); Standard interest rate for purchases: 18.95% p.a. (variable)
Address: 135 Bishopsgate, London, EC2M 3UR.

0%N/A0%N/AN/ANatwest Student Credit Card
Natwest Student Mastercard with host of discounts available. Maximum £500 credit limit. Discounts – save on brands like HP, Lonely Planet and Firebox.com. If you pay your balance (and your previous month's balance) in full and on time each month you'll enjoy up to 56 days' interest free credit on all purchases. 
DETAIL INFORMATION >>
RBS Student Credit Card
RBS Student Credit Card		mastercard18.9%
Example

Representative Example

Assumed borrowing of £1,200; Rrepresentative 18.9% APR (variable); Standard interest rate for purchases: 18.95% p.a. (variable);
Address: 36 St Andrew Square, Edinburgh EH2 2YB.

0%N/A0%N/AN/ARBS Student Credit Card
Royal Bank of Scotland Student Mastercard with host of discounts available. If you pay your balance (and your previous month's balance) in full and on time each month you'll enjoy up to 56 days' interest free credit on all purchases. 
DETAIL INFORMATION >>

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