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Private Black Credit Card

Designed especially for our Black Account customers

To apply you must be a UK resident aged 18 or over and have a NatWest Black Account. 

The Private Black Credit Card is one of a range of benefits of the NatWest Black Account. The NatWest Black Account costs £24 a month. To apply for a Black Account you must have a sole income of at least £100,000 paid into your NatWest account, or minimum outstanding mortgage borrowings with us of £300,000, or savings and investments of at least £100,000 held with us.

NatWest Private Black Credit Card

How it works

You could make purchases and pay 14.94% APR (variable) in interest. And, if you used the card to transfer a balance from another credit card, you'd only be charged 14.9% p.a. (variable) too.  

Like all credit cards in the UK, you can get up to 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.

The Private Black Credit Card is one of a range of benefits for our Black Account holders. The NatWest Black Account has a monthly account fee of £24. 

Transferring a balance to NatWest?

You can transfer balances of any amount up to 95% of your available credit limit. The minimum balance transfer amount is £100.

It can take up to 3 weeks to process your application and for payment to reach your other accounts so please make payments to your other cards to keep them up to date and avoid any penalty fees.

If you have a transferred balance on your account, interest will be charged on any purchases you make from the date they are posted to your account at your standard interest rate.

Other information

To apply you must be a UK resident aged 18 or over and have a NatWest Black Account.

Interest on fees and charges is payable in line with our terms and conditions.

The Private Black Credit Card is one of a range of benefits of the NatWest Black Account.

National Westminster Bank Plc. Registered in England and Wales. No. 929027. Registered Office: 135 Bishopsgate, London, EC2M 3UR.

Representative Example

Representative APR:

14.9% APR

Purchase rate:

14.94% p.a. (variable)

Assumed credit limit:


Your credit limit will vary depending on our credit assessment of you. 

Summary Box

Sample terms & conditions


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Approval Indicator

Check your eligibility

Simply enter a few details into our Approval Indicator tool and we'll show you how likely you are to be accepted for a NatWest credit card.

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NatWest YourPoints

Redeem points for travel, shopping & more...

The NatWest YourPoints website is the gateway to a huge range of fabulous rewards from partners like Laithwaite's Wine, eBookers and M&S. You can also find out how many points you've built up or how many you need, in order to get the reward that you like the most.

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Redeem YourPoints now

NatWest Private Black Credit Card

Relax, you're in control

Stay in control

You can manage your card with Credit Card Online Services. If you have a current account with us, you can also manage your card and current accounts together within Online Banking or on our Mobile Banking app.


Set up alerts to remind you when your next payment is due or to let you know when you are nearing your credit limit.

NatWest Mobile App is available on selected smartphones, to personal current account customers with a debit card, Online Banking and UK mobile number.

Online Banking available to those aged 11 and over who have a NatWest account

NatWest Private Black Credit Card

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