Our Reward scheme is really simple: 5 Reward points equals £5 when redeemed. Want to get a better idea of how many Rewards points you’ll earn, based on your own spending? We’ve created a special calculator to help you do just that.

Calculate my Rewards

We’ve got a list of selected retailers that will offer you at least 1% Rewards, such as Forever 21, French Connection, National Express and Europcar.

From time to time, you’ll get personalised offers with even more Rewards, up to 15%!

We’ll contact you by email to remind you of the amount of available Rewards you’ve got to spend, and the latest offers.

What you should know

All Rewards offers are subject to the retailers’ terms, conditions and exclusions. 

Once you’ve earned them, you’ve got options how to spend them. And this is where our Rewards are so versatile. You can either:

Bank them

Simply convert them into money and it goes into your bank account.

Trade up

Convert your Rewards into gift cards from the selected partner retailers- sometimes you’ll even get gift cards of a greater value.

Donate to charity

Use your Rewards to make a charitable donation to one of our selected charities.

What is a balance transfer?

A balance transfer is when you move a credit card balance from one credit card provider to another. This type of offer could help reduce your monthly credit card payments and/or clear your debt quicker.

How it works

If your application is successful, we'll contact your existing card issuers. We'll then transfer across what you owe on your old card onto your new Reward credit card. You can transfer any amount, up to 95% of your available credit limit. The minimum balance transfer amount is £100. Please note, you cannot transfer a balance from another Royal Bank of Scotland Group credit card.

What you should know

See our credit card range before you decide which of our credit cards is best to transfer a balance to.

Want to make a purchase on your card but not sure if you’ve got available credit? Just go online or use our mobile app and you can check your balance in seconds. You can also view all your transactions, see pending transactions, make payments to your card and much more.

What you should know

App available to Online Banking customers with a UK or international mobile number in specific countries. Voted 'Best Banking App' in British Bank Awards 2018.

Apple Pay allows you to make a contactless payment in shops, because all your card details are securely stored within an Apple device. You simply touch your Apple device to the card reader and hey presto! Payment made.

Learn more about Apple Pay

Remember, all our credit cards are contactless too. It’s a super quick and no-fuss way to pay for items of £30 or less.

What you should know

Apple Pay is available on selected Apple devices.

Like most UK credit cards, our range of cards offer 56 days interest free credit on purchases if you pay your balance (and your previous month's balance) in full and on time each month. That means if you want to make a big purchase, for example plane tickets or a new sofa, a credit card could be a good way to help you buy now and spread the cost. 

Usually, there is an annual fee with this credit card, but if you have one of our Reward current accounts there’s no card fee.

Take a look at our Reward current account

What you should know

If you don’t have a Reward current account, we’ll charge a £24 annual fee when you first use your Reward credit card account (for example, by making a purchase or a balance transfer) and then each following year on the anniversary of that date.

There are several ways you can pay your credit card. The most common is setting up a Direct Debit. Once you’ve set it up, the payment will be taken automatically each month. You can choose to pay the minimum amount, a fixed amount or your full credit balance every month.

You can also make a payment in the mobile app or online banking.

Our repayment calculator will show you how much faster you might be able to clear your credit card balance if you pay more than the minimum amount.

Use our repayment calculator

What you should know

If you set up a Direct Debit for the minimum or fixed amount, the payment is claimed 25 calendar days from the statement date, or shortly afterwards.If you set up a Direct Debit for the full credit card balance, the payment is claimed 15 calendar days from the statement date, or shortly afterwards.

Late paying

If you’re late paying, we’ll charge you a fee of £12. That’s why setting up a Direct Debit makes sense – you’ll never be late paying again. We get that little mistakes are easy to make, so if you miss your payment due date by just one day, we won't charge you the late payment fee.

Over your limit

If you go over your limit we’ll charge you a fee of £12. If you only go over your limit by £12 or less, we won’t charge you. A good way to avoid going over your limit is to log onto NatWest Online Banking or fire up our mobile app and check your balance before you make your next card purchase.

For full details of fees, please see the Summary Box in the Ready to apply section below.