The Revolut Credit Card offers multi-currency capabilities, global-first features, and innovative security controls for modern international lifestyles.
How to Qualify for the Revolut Credit Card
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Revolut account: You need to have an existing Revolut account before you can apply for the Revolut Credit Card. This requirement ensures integration with Revolut's ecosystem and allows for a streamlined application process.
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Age and residency: You must be at least 18 years old and a legal resident of a country where Revolut operates. For UK applicants, you need to have a valid UK address and have been a resident for a minimum period (typically 3 years).
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Credit history: Revolut will assess your credit history as part of the application process. While they consider applicants with various credit profiles, a good credit history will generally improve your chances of approval and may result in better terms.
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Income requirements: You'll need to demonstrate regular income sufficient to manage credit responsibly. Revolut may analyze your transaction history within your Revolut account to assess your financial behavior patterns.
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Subscription tier: While the basic Credit Card is available to Standard users, certain enhanced features, benefits, and credit limits may be exclusive to customers on Premium, Metal, or Ultra subscription tiers.
Digital Application Requirements:
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Revolut App: The entire application process takes place within the Revolut mobile app, which is available for both iOS and Android devices. You'll need a compatible smartphone with the latest version of the app installed.
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Identity Verification: If you're not already a verified Revolut user, you'll need to complete Revolut's digital identity verification process, which typically involves taking a photo of a valid ID document and a short video selfie.
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Personal Information: You'll need to provide basic personal details including your full name, date of birth, email address, phone number, and address history (typically for the last 3-5 years).
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Financial Information: Details about your employment status, income level, and existing financial commitments to help Revolut assess your ability to manage credit responsibly.
Digital Application Process
Revolut's application process is entirely digital and streamlined for efficiency:
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In-App Application: The entire application takes place within the Revolut app. For existing customers, much of your information will be pre-filled from your account profile, streamlining the process significantly.
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Quick Decision: The application typically takes just minutes to complete, and many applicants receive an immediate or same-day decision. Revolut utilizes advanced algorithms and may analyze your existing account behavior to expedite this process.
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Virtual Card Access: Upon approval, you'll typically receive immediate access to a virtual version of your credit card in the Revolut app, allowing you to begin making online purchases right away, even before your physical card arrives.
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Physical Card Delivery: Once approved, your physical credit card will be dispatched to your registered address. Standard delivery times vary by region, but Express delivery options are typically available for Premium, Metal, and Ultra customers.
Understanding the Costs
Before applying for the Revolut Credit Card, it's important to understand the associated costs, which may vary based on your subscription tier:
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Representative APR: The standard variable APR typically ranges from 17.9% to 23.9%, depending on your individual circumstances, credit profile, and subscription tier. Premium tiers often qualify for more favorable rates.
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Subscription Fees: While the credit card itself doesn't typically have a separate annual fee, access to enhanced features and benefits may require a Premium, Metal, or Ultra subscription, which have their own monthly or annual fees.
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Foreign Transaction Fee: A significant benefit of the Revolut Credit Card is that it doesn't charge foreign transaction fees, making it an excellent choice for international spending. However, note that weekend forex fees may apply for certain currency exchanges.
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ATM Withdrawal Fee: Cash withdrawals typically incur a fee, with the specific amount often depending on your subscription tier. Premium tiers generally benefit from higher fee-free withdrawal allowances.
Key Benefits and Features
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Fee-Free Global Spending: Avoid foreign transaction fees when making purchases abroad or in foreign currencies online, while benefiting from Revolut's competitive exchange rates.
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Multi-Currency Capability: Hold and spend in 30+ currencies directly from your credit line, avoiding the complexity and costs associated with traditional currency conversion.
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Advanced Security Controls: Take advantage of features like location-based security, disposable virtual cards for online shopping, and real-time transaction notifications for enhanced protection.
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Tiered Rewards System: Access different levels of rewards and benefits based on your subscription tier, including cashback, airport lounge access, and travel insurance.
Who Is This Card Best For?
The Revolut Credit Card is particularly well-suited for several types of customers:
Global citizens and frequent travelers:
For those who travel internationally or make purchases in multiple currencies, the Revolut Credit Card offers significant advantages through its fee-free foreign spending, competitive exchange rates, and multi-currency functionality. These features can lead to substantial savings compared to traditional credit cards that typically charge around 3% for foreign transactions.
Learn more: Maximizing value for international spending
Digital-first consumers:
If you prefer managing your finances entirely through mobile apps rather than branch visits or phone calls, Revolut's fully digital experience aligns perfectly with this preference. The intuitive app interface, real-time notifications, and advanced security controls make it ideal for those who value technology-driven financial management.
Learn more: The rise of digital-first financial services
Existing Revolut customers:
For those who already use Revolut for their banking, currency exchange, or investments, adding the credit card creates a comprehensive financial ecosystem. This integration allows for unified account management, seamless transfers between accounts, and consolidated financial insights.
Learn more: Benefits of integrated fintech ecosystems
Is the Revolut Credit Card Right for You?
When considering the Revolut Credit Card, it's essential to evaluate how its globally-focused features align with your lifestyle and financial needs. If you travel frequently, shop internationally, or simply value innovative financial tools with transparent pricing, this card offers significant advantages over traditional credit products. The integration with Revolut's broader ecosystem provides additional value for existing customers, while the advanced security features and multi-currency capabilities offer benefits to anyone with an international outlook.
