Royal Bank of Scotland RBS Reward Platinum Debit Card Review 2026

Cashback

Data pending

We're still confirming this card's earn rate.

Annual fee

£264

£22 per month

Spending abroad

Free

No foreign transaction fees

Lounge access

Not included

How you earn

Up to £5/month in Rewards plus worldwide family travel insurance, phone insurance, UK breakdown cover and fee-free spending abroad.

£4/month for 2+ Direct Debits.
£1/month app login.
1%+ at partner retailers.
From 1% back in Rewards at partner retailers.
From 1 October 2026: fee rises to £23/month, the £1 app-login Reward is removed, and benefits are refreshed (DragonPass Premier+, travel eSIM, 24/7 virtual GP, physio and mental health support). Breakdown cover is UK-only.
2+ Direct Debits for the monthly Reward.
Fee rises to £23/month and the £1 app-login Reward disappears on 1 October 2026.

What to watch

Breakdown cover excludes Europe unlike FlexPlus and Co-op.

Using it abroad

No non-sterling transaction fee on purchases.

No non-sterling fees on debit card purchases abroad (not ATM withdrawals.
Local fees may apply).
Converts at the Mastercard exchange rate.

See today's live travel money rates

Who can apply

Pay £1,250 a month into an eligible account.

UK residents 18+.
Upgrade from an existing account or open directly.

What else you get

Same Rewards engine as the standard Reward account — £4 a month for 2+ Direct Debits and £1 for an app login — plus worldwide family travel insurance (31 days per trip, winter sports included), mobile phone insurance and UK car breakdown cover.

Family travel cover has age and dependency conditions.
Travel insurance underwritten by AWP P&C SA (Allianz).
Covers account holder, partner and dependent children under 18 (23 in full-time education).
Lifestyle perks such as cinema discounts.

Our Expert Opinion on Royal Bank of Scotland RBS Reward Platinum Debit Card

The RBS Reward Platinum Debit Card suits people who want packaged-account perks - family travel insurance, mobile cover and UK breakdown - alongside a debit card that costs practically nothing off the real exchange rate on Mastercard abroad. I think the £22 a month fee is the central question, especially as it rises to £23 from October 2026 and the £1 app-login reward disappears at the same time. The breakdown cover is UK-only, which is worth knowing if you drive in Europe.

Royal Bank of Scotland RBS Reward Platinum Debit Card Review 2026

How you earn

What to watch

Using it abroad

Who can apply

What else you get

Our Expert Opinion on Royal Bank of Scotland RBS Reward Platinum Debit Card

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