Student credit card

The credit card for student life

Representative 18.9% APR (variable)

We've made a credit card just for students

No annual fee
Up to 56 days interest-free on purchases
Helps build a credit profile for future borrowing
Maximum credit limit of £500

Can students get credit cards?

Yes - if you're a student, you can apply for this credit card as long as you can prove you're studying. Use our eligibility checker to see whether you'll be accepted for our UK Student 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 annual fee

We wanted to keep the costs as low as possible for you, so there's no annual fee with our Student credit card.

Build your credit rating

Providing you keep up to date with your payments, you could begin to build your credit rating. That could be helpful further down the line if you are looking for a loan or mortgage.


Ways to pay

There are plenty convenient ways to pay using the Student 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 could be a good way to spread the cost.

Paying your credit card

There are a number of convenient ways you can make a payment to your card.

Other charges or fees

Some other important details you should be aware of.

Mobile App Features

Lock and unlock your credit card

Take control of your spending

Manage your card 24/7

Replace your credit card

Set your travel plans

Go paperless

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 and the course you're doing.

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.

Ready to apply?

Great. Let's get started. Are you a...

Do you have a NatWest Student current account?

Do you have NatWest online banking?

icon-quickest-route-black Created with Sketch.
The quickest route

As we already know a bit about you, applying for a Student credit card should be pretty easy as we can pre-fill in a lot of your application.

What you'll need

Your address details for the last 3 years

Your graduation/course end date

Your online banking log in details

Now for the important legal stuff

To apply, you must be

Aged 18+

A UK resident

A NatWest Student current account holder

Currently studying at university or college



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 your information. Please read this short summary before you continue with your application.

Are you ready to continue?

Great! Looks like you're all set and ready to go.

Register for online banking

You'll need to sign up for online banking with us in order to apply for the Student credit card online. The good news is that it normally takes only 5 minutes.

What you'll need

You'll need your sort code and account number, and your NatWest debit card if you have one.

Sorry, you need a NatWest Student current account

Our Student credit card is for customers who already have a Student current account with us. Want to take a look?

Sorry, you need a NatWest Student current account

Our Student credit card is for customers who already have a Student current account with us. Want to take a look?

Something else we can help you with?