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.

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 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.

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. 

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.