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How do I earn Rewards?

You could earn Rewards if you have one of the following Royal Bank of Scotland current accounts or cards:

If you hold a Reward current account

You are eligible for Rewards through your current account if you hold a Reward, Reward Silver, Reward Platinum or Reward Black account.

  • 2% back in Rewards will be calculated on eligible household bills when paid by direct debit if you hold a Reward, Reward Silver, Reward Platinum or Reward Black account with Royal Bank of Scotland. You will earn rewards on eligible direct debits from all current accounts you hold with us (excluding Basic, Foundation, Step or current account mortgage products).
  • Household bills include gas, electricity, water, council tax, mobile phone, landline phone, broadband and paid for TV packages.
  • Household bills do not include fuel and oil, maintenance, repairs, insurance, TV licence, on-demand internet streaming services or any commercial contracts.

Rewards will only be earned on household bill payments made to organisations identified as either local authorities who charge council tax or suppliers of the services listed above. You can view the full list of companies using our supplier tool.

More on Reward accounts

If you hold a Reward credit card

You are eligible for rewards every time you shop with your Reward or Reward Black credit card.

  • 1% on all supermarket purchases (excluding supermarket petrol stations)
  • 0.5% on all other purchases at home and abroad

More on our Reward credit card

If you shop at our partner retailers

If you are in the MyRewards programme you can earn the following rewards every time you shop with one of the eligible cards; Royal Bank of Scotland Visa debit card(s) or Reward/Reward Black credit card:

  • At least 1% at any MyRewards retailer - visit Where to earn Rewards for our MyRewards retailers
  • At least 1% back on any additional retailers available under My Offers from Royal Bank of Scotland

Set up your online MyRewards account (You can register with any one of your Royal Bank of Scotland debit cards or your Royal Bank of Scotland Reward credit card).

You can visit our web page for more information on MyRewards.