The low rate credit card that saves you money abroad

You won't pay any additional fees on foreign transactions and there's nothing added on top of the Mastercard exchange rate.

What you should know

You'll still pay fees on ATM and cash advance transactions abroad.

Whether you're transferring a balance or making a purchase, you might 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 will show you how much money you might be able to save.

Use our interest calculator

Like most UK credit cards, all our credit cards offer 56 days interest free credit on purchases when you pay your balance (and your previous month's balance) in full and on time each month. So if you want to make a big purchase, for example plane tickets or a new sofa, a credit card could be a good way to help you buy now and spread the cost. 

Instalment Plans

As well as 56 days interest free, we also have another handy option to consider. It's called an instalment plan, and it's a simple way to make regular payments against eligible individual purchases that you don’t want to pay off in one go.

Our instalment plans can be applied to any eligibile purchases between £300 and £3000 inclusive. Use the Mobile App to see if any of your recent purchases meet the criteria and you can set one up easily in just a few minutes.

It’s important to note that Instalment Plans are part of your existing credit limit, so when a purchase is moved to an Instalment Plan this doesn’t free up additional funds.

An Instalment Plan lets you:

• Repay an eligible purchase over a set period which suits you best. This can be between 6 to 24 months. Your transaction needs to be either on your latest statement or applied to your account since your last statement was produced.
• Pay a set fee each month instead of interest, which could be cheaper than your standard credit card interest rate. The monthly amount and fee for the plan will vary dependant on the purchase amount and term of the plan. 
• Budget for how much you’ll pay each month with no hidden costs.

What you should know

Available to existing credit card customers only. Eligibility criteria and monthly fees apply.

More about Instalment Plans

With Apple Pay and Google Pay™, your card details are securely stored within your phone, meaning you can easily make a contactless payment in shops. Simply place your device on the card reader and hey presto! Payment made.

Learn more about Apple Pay
Learn more about Google Pay

You can also send money securely with Paym, all you need is a telephone number and our mobile banking app.

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

First thing's first, it's important to know we'll charge you £12 if you miss a payment. That’s why setting up a Direct Debit makes sense – you’ll never be late paying again. But we also know that life can get busy and it's easy to forget, 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.

Most people choose to set up a Direct Debit to pay their credit card, although there are other ways you can pay. Once you’ve set it up your Direct Debit, 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. 

If you'd prefer not to pay by Direct Debit, 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.

We want to make managing your credit card simple and safe. If you’ve misplaced your credit card, you can lock and unlock it in the app. You can also request a PIN reminder or unblock your PIN through the app. This feature applies to Mastercard credit cards only.

Not only can you lock and unlock certain transaction types in the app, you can also keep your credit card spending in check by setting a daily or monthly budget. If you accidentally go over budget, we’ll send you a notification as a handy reminder too.

Unsure if you have enough available credit before making your next purchase? Don’t panic, you can use the mobile app to check your balance in seconds. You can also review all your transactions, set up a direct debit, pay off your balance, manage your credit limit and lots more.

On the iPhone you can order a replacement for a lost or damaged credit card straight from the app. Select your credit card, tap ‘Manage my card’, then tap ‘Report lost, stolen or damaged’. It’s that simple.

Off on your next trip? Try registering your travel plans through the app. This way, your card transactions are less likely to be flagged as suspicious or blocked while you’re abroad. Each travel plan can include up to seven countries and last for 90 days. You can create one travel plan at a time.

We can help you do your bit for the planet by switching your NatWest credit card to paperless statements. You can view up to 24 months of statements through the app and we’ll even send you an alert when they’re ready to view. Should you change your mind, you can switch back to paper any time you like.