The NatWest Credit Card

A low rate credit card to help with your everyday spending

Representative 9.9% APR (variable)

Low interest rates

You could pay a low interest rate of 9.9% p.a. (variable) on purchases and 6.9% p.a. (variable) on balance transfers

Our interest calculator can show you how much money you might be able to save

No foreign transaction fees

You won't pay foreign transaction fees when you use this credit card abroad 

Use worldwide at Mastercard locations

And more to unpack

No annual fee

Manage your card wherever, whenever with the NatWest mobile app (Criteria applies)

Representative example

Purchase rate

p.a (variable)

Representative APR


Assumed credit limit


Annual fee


Managing your credit card

Other charges or fees

Some other important details you should know about.

Paying your credit card

To make it really convenient, there are a number of ways you can pay every month.

Card Features

Spread the cost of your purchase

Need to make a big purchase and don’t want the money to come out of your current account? A credit card Instalment Plan could be a good way to spread the cost.

Ways to pay

There are plenty convenient ways to pay using The NatWest Credit Card.

Mobile App Features

Lock and unlock your credit card

Take control of your spending

Check your credit score

Replace your credit card

Set your travel plans

What you should know

Our mobile app is available to customers with Online Banking, compatible iOS and Android devices and a UK or international mobile number in specific countries.

Will I be accepted for this credit card?

Get ready to apply

Applying takes around 10 minutes and you'll get a decision within 5 minutes.

First, let's run through what you'll need:

  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Now please take a look at the important legal info

By clicking 'Start my application' below, you are confirming that you have been provided with, and are happy with what's in these documents. Please take some time to review, print and/or save the important information.

Let's get started. Do you have NatWest Online Banking?

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The quickest route

You're all set

Just a heads up - you'll need your Online Banking log-in details at the next step.

Register for Online Banking

You'll need to sign up for Online Banking with us in order to apply for the The NatWest Credit Card online. The good news is that it normally takes only 5 minutes when you use our step-by-step guide below.

What you'll need

  • Your sort code and account number
  • Your NatWest debit card, if you have one

Online Banking available to customers aged 11+ with a NatWest account.

Now you've finished setting up Online Banking, you're all set.

Just a heads up - you'll need your Online Banking login details at the next step.

Something else we can help you with?