rbs travel card

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Control purchases and manage expenses

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Simplify payments and control spending

The adaptable RBS International OneCard is welcomed by millions of outlets worldwide and can be used for both business procurement, travel & entertainment spending.

• £45 annual fee per cardholder
• Control purchases and manage expenses 
• You can either give employees their own card or use the hosted OneCard option, where details are lodged with specific suppliers and all spend goes against one card number.

OneCard fact sheet

Read or download our fact sheet to help you decide if OneCard is the right solution for your business.

OneCard features

Features openclose.

Control and visibility with our mobile app

Clearspend overview.

Access transaction information, balances and communicate with cardholders - any time, from anywhere.

More about ClearSpend

Track and report expenditure

Smart data online overview.

With Smart Data Online you are able to:

• Review and approve cardholder transactions
• Create spending analysis reports and data exports 
• Obtain HMRC approved VAT reports
• Establish individual cardholder and transaction limits and change them at any time.

More about Smart Data Online

Consolidated and centralised billing

Benefits openclose.

Reduce expenses admin

Better cash flow management, effortless vat reclaims.

Protection with OneCard

Protection overview.

Corporate liability waiver insurance protects you against employee misuse. Get up to £1.5 million cover per year against employee card misuse. Individual cardholders are also insured up to £50,000 per year. This insurance is provided by K.M. Dastur & Company Limited. 

Pay for business travel with your OneCard and you're automatically covered for business travel accidents up to £25,000 increasing to £100,000, whilst travelling on licensed public transport or in a hire car. Get information before you travel as well as legal and medical information while abroad. Travel insurance is underwritten by Chubb European Group SE.

Terms and conditions apply.

Interest rates and fees

Type of fee, billing type.

• OneCard Insurance Policies (PDF, 174 KB)

How applying for OneCard works

Meet relationship director.

We'll assess your needs and explain the options available.

We'll obtain any necessary extra information and submit your application to our credit team for review.

Your Relationship Director will discuss the outcome of your application and agree terms with you.

Cards in hand

Finally your application will be processed and your cards will be ordered.

Existing customer?

Visit our OneCard forms and guides page for application forms to request additional cards, terms & conditions and insurance information.

Useful contacts and helplines

Onecard helpdesk.

Call: 0345 877 8113 From abroad: +44 20 3126 4846 Minicom: 0800 404 6160

OneCard Helpdesk lines are open Monday to Friday, 9am-5pm (excluding bank holidays). Calls may be recorded.

Fraud Helpline

Call: 0345 300 4350 From abroad: +44 1268 508020

Other useful OneCard contacts

Lost or stolen cards

Call:  0370 6000 459 From abroad: +44 1268 500 813 Minicom: 0800 404 6160

K.M. Dastur & Company Limited (Claims)

Call: 0207 002 0900 Email: [email protected]

Address: K.M. Dastur & Company Limited Forum House, 15-18 Lime Street London EC3M 7AN

Chubb (Claims Department)

Call:   0345 841 0059 From abroad: +44 141 285 2999 Facsimile: +44 141 285 2901 Email: [email protected] Website: www.chubbclaims.co.uk

OneCard customer services address

Address: The Royal Bank of Scotland Commercial Card Division Cards Customer Services PO Box 5747 Southend-on-Sea SS1 9AJ

Apply for OneCard

Before you start an application, please answer a few initial questions so we can connect you with the most appropriate team to help you apply.

Talk to us about becoming a customer

We will work in partnership with you to understand your needs and select products and services for your specific requirements. 

To get started please contact your local office, full contact information can be found on our Contact us page . A member of our dedicated relationship team will guide you through the process of becoming a customer and opening a OneCard account.

Coronavirus (COVID-19): Changes to how you can contact us

Due to evolving contingency planning regarding the coronavirus (COVID-19) outbreak, a significant proportion of our colleagues are working from home.  As a consequence of this we are kindly requesting that you email us using the relevant email address.

Start your OneCard application

Before starting your application you might find it helpful to speak to your relationship director. You can discuss the options available to you and they can answer any questions you have.

Help and support

I have questions about OneCard Please contact your relationship director, Lines are open from 9am - 5pm

You can also call the OneCard helpline on 0345 877 8113 between 8am and 5.30pm, Monday to Friday; 9am - 1pm Saturday. 

I don't know the direct number or email address for my relationship director Please email our service team , where a member of the team will put you in touch with your relationship director. Where can I find OneCard application forms and guides? Visit our OneCard forms and guides page  for additional application forms and guides.

When you are ready to apply, please complete the  OneCard application form  and return it to your relationship director. You can find  OneCard Terms and Conditions here . If you require more than 3 account holders, please also complete and return the   cardholder schedule .

Contact our dedicated relationship team

If you don't have a relationship director, please contact your local office, full contact information can be found on our Contact us page. A member of our dedicated relationship team will put you in touch with the most appropriate team to help you. 

Due to evolving contingency planning regarding the coronavirus (COVID-19) outbreak, a significant proportion of our colleagues are working from home.  As a consequence of this we are kindly requesting that you email us using the email address provided.

 Contact our dedicated service team

Please email our dedicated service team , where a member of the team will put you in touch with your relationship director. 

Apply for an additional card

Please complete the cardholder application form and return it to your relationship director. 

You can also call the OneCard helpline on  0345 877 8113  between 8am and 5.30pm, Monday to Friday; 9am - 1pm Saturday. 

I don't know the direct number or email address for my relationship director Please  email our service team , where a member of the team will put you in touch with your relationship director. Where can I find OneCard application forms and guides? Visit our OneCard forms and guides page  for additional application forms and guides.

Sign In to Avion Rewards

Sign in with:

If you have a personal credit card or deposit account, you need to enrol in RBC Online Banking to enjoy Avion Rewards. It’s easy and secure.

Start planning your next adventure

All members can redeem Avion points, pay with a credit card or both

Fly on any airline with exclusive pricing & benefits for Avion Elite

Get exclusive deals on hotels, resorts and more around the world

Car rentals

Access a fleet of rental cars, trucks and vehicles at home and abroad

Book flights plus hotel packages to thousands of destinations

Things to do

Catch a show, tour sites & attractions, treat yourself to authentic local cuisine and more

Fly over 500 airlines with exclusive pricing & benefits for Avion Elite

Book all-inclusive vacations to thousands of destinations

Catch a show, tour sites & attractions, treat yourself to 5-star dining and more

Already a member? Sign in to get the latest travel offers

How many points do you need to travel?

Avion Elite members get there sooner with exclusive fixed-points pricing on any airline, any flight, any time. No blackout dates or advance seating restrictions, even during peak periods. 

Quick Getaways

• Within or to an adjacent province/territory
• Within or to an adjacent U.S. state

Max Ticket Price* $350

Explore North America

• Anywhere in Canada/U.S. except Hawaii and Alaska

Max Ticket Price* $750

Holiday Destinations

• Western Canada/U.S. to Mexico, Hawaii, Alaska
• Eastern Canada to Bermuda, Central America, Caribbean

Max Ticket Price* $900

Take a Vacation

• Eastern Canada/U.S. to Mexico, Hawaii, Alaska
• Western Canada to Bermuda, Central America, Caribbean

Max Ticket Price* $1,100

Visit Europe

• Major gateway in Canada/U.S. to destinations in Europe

Max Ticket Price* $1,300

100,000 pts

See the World

• Major gateway in Canada/U.S. to destinations in Asia, Australia, New Zealand, South Pacific, Middle East, Africa, South America

Max Ticket Price* $2,000

*Excluding any applicable taxes, surcharges and fees.

Max Ticket Price* $175

Max Ticket Price* $375

Max Ticket Price* $450

Max Ticket Price* $550

Max Ticket Price* $650

Max Ticket Price* $1,000

Avion Elite members can also redeem for hotel stays, car rentals and more, using this simple conversion:

You also have the flexibility to redeem for flights using this conversion, including paying taxes and fees * If you are an RBC Avion Visa Infinite Privilege for Private Banking, RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Business or RBC Commercial Avion Visa cardholder, you can redeem your points at the rate of 100 points = $2 CAD for first or business class air fare, including paying taxes and fees.

Still have questions? Visit our Travel FAQs page

Family vacations or bucket-list trips, eligible Avion Premium members 1 can redeem using this conversion:

Redeem a minimum of 1,000 points – the remaining balance can be paid with a credit card.

ION & ION+ credit card holders and Avion Rewards Core Accounts redeem using a conversion rate of 172 points = $1 (minimum 2,500 points)

Road trips, weekend getaways or vacations, Avion Select members can redeem travel using this conversion:

Redeem a minimum of 2,500 points – the remaining balance can be paid with a credit card.

Travel sooner 2 as an Avion Elite member

Get the RBC Avion Visa Infinite card to become an Avion Elite member and enjoy exclusive benefits to help you travel sooner 2 on points with any airline, any flight and anytime.

Convert points for travel

Avion Premium and Elite members can convert points to other loyalty or frequent flyer programs, so you can fly and earn your own way. 1

WestJet Rewards

American Airlines

British Airways

Cathay Pacific

Frequently asked questions

Still have questions? Check our Travel FAQs

Avion Rewards travel

Redeem your points for flights, hotels, car rentals, and more.

How many Avion points do you need to travel?

Rbc avion visa credit card holders.

Choose any airline, any flight, any time. There are no blackout dates or advance booking restrictions, even during peak periods.

Avion credit card holders can also redeem for all type of travel, using this simple conversion:

Redeem points using this conversion rate for hotel stays, car rental, cruises, and more. You can also use it for flights when you don’t want to redeem from the Air Travel Redemption Grid above.

Want to travel sooner?

With an RBC Avion credit card, you could be travelling sooner with any airline, any flight, any time. Apply for an RBC Avion Visa Infinite card today and get.

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Redeeming Avion points for your travel needs is easy

Just use this conversion rate if you’re:

• redeeming for a flight not using the Air Travel Redemption Schedule;
• redeeming for a hotel stay, car rental, cruise or vacation package;
• paying any amount above the maximum dollar value within a category;
• paying taxes, surcharges and fees.

If you are an RBC Avion Visa Infinite Privilege for Private Banking, RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Business or RBC Commercial Avion Visa cardholder, you can redeem your points at the rate of 100 points = $2 CAD for first or business class air fare, including paying taxes and surcharges and fees.

Don’t forget, if you’re short a few points, you can always purchase travel by redeeming your points and using your credit card.

For more information, see our Avion Rewards Terms and Conditions .

Royal Bank of Scotland

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App support, more by national westminster bank plc.

MASTERCARD BENEFIT INQUIRIES

Your benefits may vary by card type and by issuing financial institution. Refer to your issuing financial institution for complete benefit coverage terms and conditions or call Mastercard (0800-96-4767) for assistance. Certain terms, conditions and exclusions apply.

Availability of insurance benefits on your card may vary by card issuer. Please refer to your issuing financial institution for complete insurance benefit coverage terms, conditions and exclusions.

*Card registration required. Certain exceptions apply. Click here for terms and conditions .

Customer advice

Further options.

You can also access account information and conduct transactions through our branch network and telephone banking service. More details on these are available on our website.

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Department of Defense Travel Card Benefits

Progress informed from the past, and inspired by the future, cardholder guide.

Official travel for the Department of Defense just became easier with the Citi Department of Defense Travel Card. When you are preparing to use your new card, please read What To Do When I First Receive My New Card . For more information regarding your new card, please read the Department of Defense Cardholder Guide .

Department of Defense Travel Insurance

As a cardholder, you will receive global travel accident and lost luggage insurance so you feel safe and secure wherever you travel with a Citi ® Commercial Card.

• Travel Accident Insurance Guide
• Lost Luggage Insurance Guide

MasterCard Guide to Benefits

Visa Guide to Benefits

In addition to the card benefits provided by Citi, Visa provides card benefits such as Car Rental Insurance and Travel and Emergency Assistance. For full details, please read the Visa Guide to Benefits .

Travel Tips

For more information on your Citi Department of Defense Travel Card, please read What to do Before, During and After travel .

Online Tools

Citi's global online tool, CitiManager ® , enables you to manage business expenses from anywhere around the globe from your computer or mobile device; you can view statements online, confirm account balances, sign up for email and SMS alerts, and much more. If you have not already signed up for the CitiManager ® tool, please log on to www.citimanager.com/login and click on the 'Self registration for Cardholders' link. From there, follow the prompts to establish your account.

For more information on the CitiManager ® tool, view our CitiManager ® Cardholder Quick Reference Guide .

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Choose from our different types of credit cards

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Check your eligibility

Pick a card below to see if you'll be accepted, with no impact on your credit score. We'll check your eligibility at the start of your application - it's then up to you if you want to continue to apply.

Whether you'd like to do a balance transfer, make a big purchase, travel abroad or earn Rewards on spending, our range of Mastercard® credit cards could suit your lifestyle.

Balance transfers are limited to 95% of your available credit limit. Minimum balance transfer amount is £100. You can transfer your balance from most credit cards and store cards, except other NatWest Group cards. 

Showing 6 credit cards

Purchase & Balance Transfer card

Good for - paying off purchases and balances

• 0% for 19 months from account opening on purchases, after which standard rates apply.
• 0% for 19 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
• 2.99% balance transfer fee.

To apply, you must be a UK resident, aged 18+ and earning at least £10K per year

Representative example

Purchase rate

p.a. (variable)

Representative APR

Assumed credit limit

Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.

Longer Balance Transfer card

Good for - more time to pay off balances

• 0% for 23 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
• 0% on purchases for 3 months from account opening, there after standard rates apply.
• 3.4 9% balance transfer fee.

Balance Transfer credit card

Good for - no fee to transfer a balance

• 0% for 13 months from account opening on balance transfers made within the first 3 months, after which standard rates apply.
• No fees to transfer a balance to this credit card.
• 0% on purchases for 3 months from account opening, thereafter standard rates apply.

The Royal Bank Credit Card

Good for - saving money on your holidays

• No foreign transaction fees on purchases.
• Low rates on purchases and balance transfers.
• No balance transfer fees.

Your actual credit limit and APR may vary depending on our credit assessment of you.

Reward credit card

Good for - Rewards when you're shopping

• Earn 1% back in Rewards on supermarket spend (0.25% at their petrol stations and everywhere else).
• Get between 1-15% back at selected MyRewards retailers.
• Annual fee refunded if you have a Reward current account.

Or £0 if you have a Reward current account.

Reward Black credit card

Good for - Rewards at home and abroad

• 1% back in Rewards on supermarket spend (0.5% at their petrol stations and everywhere else).
• Annual fee refunded if you have a Reward Black current account.

To apply, you must be a UK resident, aged 18+ and earning at least £15K per year

Or £0 if you have a Reward Black current account.

Showing 3 cards

• 3.49% balance transfer fee.

Showing 2 cards

Showing 1 card

See your borrowing options

Not sure if a credit card, loan or overdraft is best for you? Find out the ins and outs of each using our borrowing options guide.

See what other people are asking

How does a credit card work.

Put simply, a credit card is a way of borrowing money that lets you purchase things up to an agreed limit and pay for them later, either in one go or by instalments.

For more support on the basics - from balance transfers to credit scoring - why not try our handy guide? We'll even run you through the different types of credit cards too.

Find out how credit cards work

Where can I use my credit card?

Credit cards are commonly used to make purchases in shops or online. You can use them at ATMs too but this type of transaction often incurs a fee.

Our credit cards are Mastercard®, which means they’re accepted all over the world and they’re contactless too - it’s a super quick and no-fuss way to pay for items of £100 or less.

If you need to use your credit card abroad, just look for the Visa and Mastercard logos in retailers or on cash machines, then use your card as normal. When you get back home you'll see the purchases and withdrawals you made abroad shown in the local currency, then exchanged into pounds sterling on your statement. Please note that some credit cards add a small percentage to cover the foreign exchange fee.

How does credit card APR work?

APR stands for Annual Percentage Rate.

With credit cards, there can sometimes be upfront costs such as an annual fee for the card. So, APR is a way that lenders show the interest and additional charges you will pay on what you're borrowing. APR can also be referred to as the 'full cost of borrowing'.

Learn more about APR in our credit card guide

How long does it take to receive a credit card?

Depending on where you apply the timescales will vary. If you apply with us, and your application is successful, you'll receive your card within 5-7 working days.

What credit card payment protection do I get from Section 75 of the Consumer Credit Act?

Section 75 of the Consumer Credit Card Act 1974 is an act that covers purchases made by credit cards.

The effect of Section 75 of the Consumer Credit Act 1974 is that where payments is made for goods or services using a credit card, any claim against the supplier is respect of misrepresentation or breach of contract, he shall have a like claim against the Bank, who, with the supplier, shall be jointly and severally liable to the debtor. 

To be able to raise a claim you have to provide documentation or tangible evidence to prove your claim under this Act.

If your claim is being raised under Section 75 of the consumer credit act it will be nessesary for you to contact the Disputes team for guidence. Regrettably claims of this nature cannot be raised using the online form service. 

To find out more about Section 75 and chargebacks, why not check out our credit card guide?

Other things we can help with

Keep track of your existing credit card.

Our credit cards hub will help you get the most out of your existing Royal Bank card. From making a payment to finding out how to change your card, it's all here in one place.

A simple guide to credit cards

If you want a bit more detail on how credit cards work, take a wee wander 'round our credit cards guide. We'll help you understand the basics, such as the different types of credit cards and give some guidance on the important stuff to remember.

How to get extra help with your banking? 

Are you an existing customer who needs a little more help? Maybe you’ve got a disability, English is your second language, or you’ve recently lost someone.

We’re here for you. Just let us know once, so we can update our systems and offer you the support you need. 

You can tell us online, call us, or visit a branch.  To share your details with us, go to Banking My Way.

I have limited sight. Are your credit cards accessible?

3 ways we've made our credit cards easier for you to use: 

•  A notch in your card, so you know which way round to use it  - no more fumbling at the cash machine, or card reader.
• Raised dots or line for recognition  - you'll instantly know which is your Royal Bank of Scotland credit card.
• Bigger telephone numbers on the back of the card  - to help make it simpler to see. 

Can we help with anything else?