The NatWest Credit Card

The low rate credit card that saves you money abroad

Representative 9.9% APR (variable)

Say 'adios' to foreign transaction fees

No foreign transaction fees

Low interest rates

No balance transfer fees

Use our eligibility checker to see whether you'll be accepted for this credit card. It takes just 2 minutes and it won't affect your credit rating.

Representative example

Purchase rate

p.a (variable)

Representative APR


Assumed credit limit


Annual fee


Features and benefits


No foreign transaction fees

With no additional fees on transactions abroad, our card is a great way to spend while away.

Low interest rates

Enjoy low interest rates on purchases and balance transfers.

No balance transfer fees

Unlike many other cards, we won't charge you a fee when you do a balance transfer. It's just one more way this card could help you save.


Instalment Plans

Instalment Plans are a simple way to make regular payments against eligible individual purchases that you don’t want to pay off in one go. Please note: Instalment Plans are for existing credit card customers only. Eligibility criteria and monthly fees apply.

Ways to pay

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

Spread the cost of your purchase

Need to buy something quite expensive and you don't want the money to come out of your current account? A credit card is a good way to spread the cost.

Other charges or fees

Some other important details you should be aware of.

Paying your credit card

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

Make the most of your credit card with the NatWest app

How to apply online

What you'll need

We'll ask where you've lived for the last 3 years, as well as information about your bank account, income and outgoings.

How long will it take?

The application takes around 10 minutes and you'll know whether you've been accepted or not within 5 minutes.

When will I get my card?

If your application is successful, your card should arrive within 5-7 working days.

Check out this short video guide to find out more about applying online.

Ready to apply?

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Do you have NatWest online banking?

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The quickest route

What you'll need

Your address details for the last 3 years

Your income, outgoings and employment details

Your bank account details

A note of any cards you wish to transfer a balance from

Now for the important legal stuff

To apply, you must be

Aged 18+

A UK resident who has a UK bank account

Earning at least £10k per year

Important information

Please take some time to review, print and/or save the important information. By clicking that you’re ready to continue, you are confirming that you have been provided with, and have acknowledged our important documents.

How your information might be used

It's important for you to understand how we use and share information about you and any additional cardholders. Please read this short summary before you continue with your application.

Are you ready to continue?

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