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.  

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.

Use our interest calculator

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.

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. 

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.

Instalment Plans allow you to repay eligible credit card purchases between £300 and £3000 inclusive and can be set up, tracked and managed directly in the mobile app. Just take a look at your transaction list to see if you have any eligible purchases.

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.

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

Learn more about Instalment Plans and how to create one

Apple Pay and Google Pay™ allow you to make a contactless payment in shops, because all your card details are securely stored within your device. Just touch your device to 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

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.

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.

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.