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The NatWest Credit Card

A low rate credit card to help with your everyday spending

Representative 9.9% APR (variable)

Low interest rates

You could 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 can show you how much money you might be able to save

No foreign transaction fees

You won't pay foreign transaction fees when you use this credit card abroad 

Use worldwide at Mastercard® locations

And more to unpack

No annual fee

Manage your card wherever, whenever with the NatWest mobile app (Criteria applies)

Check your eligibility

Use our eligibility checker to find out if you'll be accepted for this credit card before you apply. It won't impact your credit rating and it takes just 2 minutes.

Representative example

Purchase rate

9.9%
p.a (variable)

Representative APR

9.9%
(variable)

Assumed credit limit

£1200

Annual fee

£0

Managing your credit card

Other charges or fees

Some other important details you should know about.

Paying your credit card

We've made it as easy as possible for you to pay your card bill each month.

Card Features

Spread the cost of your purchase

Need to make a big purchase and don’t want the money to come out of your current account? A credit card Instalment Plan could be a good way to spread the cost.

Ways to pay

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

Mobile App Features

Lock and unlock your credit card

Take control of your spending

Check your credit score

Replace your credit card

Set your travel plans

What you should know

Our mobile app is available to customers with Online Banking, compatible iOS and Android devices and a UK or international mobile number in specific countries.

Get ready to apply

First, let's check your eligibility

Use our free eligibility checker before you apply to see if you’re likely to be accepted. It takes just 2 minutes and there’s no impact on your credit score.

If you've already checked, you're good to move on to the legal documents below.

Now please take a look at the important legal info

By selecting 'continue' below, you are confirming that you have been provided with, and are happy with what's in these documents. Please take some time to review, print and/or save the important information.

All okay? Let's get started.

Do you have NatWest Online Banking?
You'll need to have Online Banking to apply online with us. If you don't, we'll help you sign up easily in just 5 minutes. Remember, you can also apply through our mobile app.

You're all set

Just a heads up - here's what you'll need to apply:

  • Your Online Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Register for Online Banking

You'll need to sign up for Online Banking with us in order to apply for The NatWest Credit Card online. The good news is that it normally takes only 5 minutes. If you need a hand, follow our step-by-step guide below.

What you'll need

  • Your sort code and account number
  • Your NatWest debit card, if you have one

Online Banking is available to customers aged 11+ with a NatWest account.

You're all set

Just a heads up - here's what you'll need to apply:

  • Your Online Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Forgotten your Online Banking login details?

Don't worry, you can re-register for Online Banking in around 5 minutes. By doing that, you'll be reminded of your customer number and can choose a new PIN and password. If you need a hand, follow our step-by-step guide below.

What you'll need

  • Your sort code and account number
  • Your NatWest debit card, if you have one

Online Banking is available to customers aged 11+ with a NatWest account.

You're all set

Just a heads up - here's what you'll need to apply:

  • Your Online Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Something else we can help you with?