The credit card that helps you save money on balance transfers

Pay 0% for 23 months on all balance transfers made within the first 3 months, therefater standard rates apply. Each transfer must be at least £100.

Pay 0% on all purchases made within the first 3 months. This offer is available on purchases paid off in full in the first 3 months of opening your account. After the first 3 months, standard rates will apply. 

No balance transfer fee.

No annual fee.

Please remember once your offer period ends, our credit cards offer the standard interest free period up to 56 days, as long as balances are paid in full.

Bear in mind, if you carry any balance forward from a previous month (including 0% balance transfers), after your 0% purchase offer has ended, then interest will be charged on purchases from the date they are debited to your account.

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 the Balance Transfer 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.

Want to make a purchase on your card but you're not sure you've got available credit? Just go online or use our mobile app and you can check your balance in seconds. You can also review all your transactions, pay off your balance, report your card as lost or stolen and much more.

What you should know

App available to Online Banking customers with a UK or international mobile number in specific countries. 

Apple Pay allows you to make a contactless payment in shops, because all your card details are 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.

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.

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.