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.
To apply, you must be 18+, earning at least £10K per year and a UK resident
Representative example
Purchase rate
Representative APR
Assumed credit limit
Annual fee
The representative example is a tool that all lenders use to help you compare the cost of borrowing in one handy format.
A purchase rate is the interest rate charged when buying most goods or services on a credit card. If you pay off the full card balance each month, you will not be charged interest on purchases.
The Representative APR is the annual percentage rate that’s used to indicate the full cost of borrowing from us. This includes any up-front fees spread over a year.
The assumed credit limit is a guide limit we need to quote when we’re explaining the typical costs within the representative example. We’ve used £1200 as a guide, but the actual credit limit you receive will depend on your circumstances.
The annual fee simply confirms the fee you'll pay annually as part of your agreement with us. With The NatWest Credit Card, there's no annual fee. Nice and simple.
We treat all applications on an individual basis, so the purchase rate and APR you get is determined by your own circumstances and credit history. Most successful applicants will receive the Representative APR displayed.
Your actual credit limit and APR may vary depending on our credit assessment of you.
You may receive higher than our standard purchase rate of 9.9% p.a. (variable) up to 18.9% p.a. (variable) and higher than our balance transfer rate of 6.9% p.a. (variable) up to 14.9% p.a. (variable) upon application. Interest on fees and charges is payable in line with our terms and conditions. See the summary box document (PDF, 48KB) for more details.
Features and benefits
Benefits OpenClose
No foreign transaction fees
No foreign transaction fees
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.
Low interest rates
Low interest rates
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.
If you're paying a higher rate on your existing credit card, you could save money by transferring your balance to this one.
Our interest calculator will show you how much money you might be able to save.
No balance transfer fees
Balance transfers
What is a balance transfer?
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 NatWest 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.
Features OpenClose
Manage your card 24/7
Manage your card 24/7
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 and Contactless
Apple Pay and Contactless
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.
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.
Spread the cost of your purchase
Spread the cost of your purchase
Like most UK credit cards, our range of cards offer 56 days interest free credit on purchases if you pay your balance (and your previous month's balance) in full and on time each month. That means 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.
Costs OpenClose
Other charges or fees
Other charges or fees
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 you 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.
Paying your credit card
Making a payment
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.
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.
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.
Check out this short video guide to find out more about applying online.
Ready to apply?
Great. Let's get started. Are you a...
Do you have NatWest online banking?
As we already know a bit about you, applying for The NatWest Credit Card should be pretty easy as we can pre-fill in a lot of your application.
What you'll need
Your income, outgoings and employment details
Your online banking log in 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
Earning at least £10k per year
Important information
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.
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
Earning at least £10k per year
Important information
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.
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
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?
