Credit Cards | NatWest Private

Reward Black credit card

Rewarding cards, tailored to your needs

Representative 37.1% APR (variable).

Annual fee applies

Get in touch

How can we help you?

Speak to our UK-based team. 

Telephone 0333 202 3330
International +44 161 933 7239
Minicom 0800 027 1395

NatWest Private is available to all customers with a sole income of at least £100,000 or a joint income of £120,000 paid into their NatWest account, or minimum outstanding mortgage borrowings with us of £500,000, or savings and investments of at least £100,000 held with us.

To apply you need to be a mainland UK resident, aged over 18 and earn at least £15,000 p.a.

Credit cards Reward Black credit card

Substantial spending power with some special travel benefits. Plus have the annual fee refunded if you're a Reward Black current account holder


Get Rewards in even more places. Use this credit card alongside your Reward Black debit card and you’ll build up your Rewards balance even faster.

No foreign transaction fees on your overseas purchases

If you're a frequent traveller the Reward Black credit card could save you money. There are no foreign transaction fees so if you're being charged for your spending whilst overseas, Reward Black could help you make even more of your money

Earn Rewards on your everyday spend

With Reward Black you earn with every pound you spend. Receive 1% Rewards on spend at MyReward retailers, 1% at Supermarkets (0.5% at their petrol stations) and 0.5% everywhere else you shop. 

Find out more about MyRewards

 Have your annual fee refunded

We'll refund the annual fee for your Reward Black credit card if you also have a Reward Black current account. Monthly fee and eligibility criteria apply to the Reward Black current account.

No balance transfer fee

Transfer an existing balance of up to 95% of your credit limit, fee free.

Personalised customer services from our dedicated team 24/7 


More about the annual fee and fee refund
NatWest Private Team Annual fee and fee refund

Annual fee

We’ll charge a £84 annual fee when you first use your Reward Black credit card account (for example, by making a purchase or a balance transfer) and then each following year on the anniversary of that date.

Annual fee refund

If you hold or open one of our Reward Black current accounts, we’ll refund any annual fees that are charged to your Reward Black credit card account while the current account remains open.  Each annual fee and refund will show on the same monthly credit card statement.

We’ll not refund all or part of any annual fee charged to your credit card account before you open a Reward Black current account, or after it is closed.

To get a Reward Black current account, you need to be aged 18 or over and UK resident, with either (i) £100,000 of annual personal income (paid into the current account); (ii) a NatWest mortgage of at least £300,000; or (iii) £100,000 of NatWest savings and investments.  £28 monthly fee applies.

Representative Example

Purchase rate


p.a. (variable)

Representative APR


APR (variable)

Assumed credit limit


Annual Fee


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

Interest on fees and charges is payable in line with our terms and conditions. See Summary Box for full details. Always aim to pay off your credit card balance every month to make sure the benefit of Rewards outweighs any interest costs.

Apply now Check if you're likely to be approved

Please download and read these documents before applying.

Summary Box (PDF, 57KB) Sample Credit Card Agreement (PDF, 76KB)
Need help choosing a credit card?

As well as Reward Black, we also offer a range of other credit cards which you might prefer. Find out more about our Clear Rate and Reward credit cards, and how they compare to Reward Black.

See our credit card range
Already have a credit card?

Manage your credit card whenever it's convenient to you and stay in control of your finances. Check balances and transactions, view and download your statements, pay your credit card and more.

Manage your credit card

Don't miss out!

The Reward Black current account could be the perfect partner for your Reward Black credit card. Benefits include:

Worldwide airport lounge access and travel insurance

24/7 concierge service and mobile phone insurance

2% in Rewards on 7 types of household bills paid by Direct Debit

Reward Black credit card annual fee is refunded if you have a Reward Black current account.

You need to 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. You must also be aged 18 or over and permanently resident in the UK.

Apply for Reward Black Account
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Credit cards You and your Private Banking Manager

You can speak to your Private Banking Manager about your options or browse our full range of credit cards available.

If you’d like to meet face-to-face and it’s not convenient to come into a branch, they’re happy to meet whenever and wherever suits you – even over a coffee.

Book an appointment
Credit cards Book an appointment

From making your money work harder, reviewing your financial goals or getting set-up for mobile banking. Your Private Banking Manager is here to make your life easier and run more smoothly.

If you don't have their mobile number to hand. You can call our dedicated telephony team who can book an appointment for you.


Telephone 0333 202 3330
International +44 161 933 7239
Minicom 0800 027 1395

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Using your credit card abroad

Register your travel plans via Online Banking at least 24 hours before your trip and we'll do our best to ensure your holiday spending with your credit card isn't affected at all.

It only takes a few minutes; all you need to do is:

  • Log in to Online Banking
  • Select 'Cards' from within the left hand menu
  • Select 'Using your credit card abroad' on the page
  • Register your travel plan details
Register your travel plans Make the most of your trip
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