Premier Reward Black - a rewarding experience

You can also earn 1% back in Rewards when you spent with our retail partners: Caffe Nero, EuropCar, Barrhead Travel, Boux Avenue, P&O Ferries and ATG Tickets.

Your Reward balance can grow quickly, they’re easy to earn and they’re easy to exchange!

As soon as your available Rewards balance is the equivalent of £5 or more, you can log in to MyRewards to exchange them. Keep in mind, if you choose to bank your Rewards it will take 5 working days to clear.

To pre-book visit the DragonPass app and follow the on-screen instructions. Not every lounge allows pre-booking and will be subject to availability. £5 pre-booking fee will apply.

• We’ll automatically send you a DragonPass Premier+ membership card when you open or upgrade to a Reward Black account.
• You will need your membership card to gain access to lounges and receive discounts at spas and restaurants. 
• Download the DragonPass Premier+ app from the Apple App and Google Play Store. The app provides full details about your benefits including lounge locations and opening times, and the ability to purchase guest visits and pre-book selected lounges.
• If you have a joint account and are travelling with the other account holder, you will both need to show you membership cards, either the plastic version or through the app, to access lounges and receive discounts.

Learn more and download the DragonPass Premier+ app

Airport lounges are owned and operated independently of DragonPass. Admission is granted subject to capacity and at the discretion of the lounges.

Family cover includes you and your partner, plus any dependent children aged under 18 at the start of the journey, (under 23 if they’re in full-time education). Children must be living at the home address (or with the other parent), and be neither married nor in a Civil Partnership

Your partner is the person the account holder lives with at the same home address in a relationship, whether married or cohabiting.

Aged 70 or over?

If anyone covered by the policy is aged 70 or over, you must contact us each year to obtain cover. You will need to pay an annual premium of £75 per person insured aged 70 or over and be medically screened.

Medical conditions 

If anyone covered by the policy has a medical condition, you may need to pay an additional premium or accept that your cover may exclude certain conditions. 

Please call 0345 601 7188 (Relay UK: 18001 0345 601 7188) or confirm your premiums and cover online.

Lines are open: 8am-8pm Monday - Friday, 9am-5pm Saturday, 10am-5pm Sunday and 10am-5pm on bank holidays. We are closed Christmas Day, Boxing Day, New Year's Day and Easter Sunday. Calls may be recorded.

If our insurers Allianz Assistance are unable to offer you an upgrade to extend the level of cover you need, or your upgrade insurance premium is higher than you expected because you have medical conditions, help could still be available.

You may be able to obtain alternative travel insurance cover for pre-existing medical conditions by contacting one of the providers featured in the MoneyHelper Directory of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need.

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777

Monday to Friday, 8am to 6pm | Saturday, Sunday and Bank Holidays, closed

Already a Reward Black account customer?

Make a travel insurance claim

Use your Reward Black debit card for purchases anywhere in the world.

• No Non-Sterling Transaction Fee when you make a payment outside the UK or payment in a foreign currency.
• Not valid for ATM withdrawals. Other local fees may apply.

What you need to know about our mobile phone insurance cover:

Covers the phone used on a daily basis by you, your partner and/or your children under 18 years old who live at home with you (under 23 years old if they are still in full time education and living at home with you outside term time).

There is no cover for phones owned by your employer.

Four approved claims can be made on this policy in any 12-month period.

Claims are settled by replacing or, in certain circumstances, repairing your phone. We'll arrange a repair or replacement asap, so long as you're in the UK. Replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts. Repairs use genuine manufacturer or manufacturer quality parts.

There is a £100 excess for each approved claim when your phone is replaced.

There is a £50 excess for each approved claim.

Replacement phones include a 12-month warranty. Repaired phones include a 24-month warranty.

What's not covered

• No cover if you deliberately put the phone at risk or left it visible in an unattended vehicle.
• No cover for information or apps stored on the phone.
• No cover for any costs resulting from unauthorised use.

Full details on mobile phone insurance

What you need to know about UK & European car breakdown cover:

• Roadside Assistance - Anywhere in the UK and Europe;
• At Home - Get help when your vehicle won't start at home;
• National Recovery - If the AA can't get your vehicle going, they'll take you and your vehicle to a destination of your choice;
• Onward Travel - If your vehicle can't be fixed at the roadside, the AA can help you complete your journey. This may be by arranging a replacement vehicle, booking you a night's accommodation or funding alternative transport costs (i.e. rail fares) where appropriate;
• Accident Assist - A 24/7 accident claims service. The AA will handle your insurance claim - at no additional cost - no matter which company insures you; and
• All your vehicles are covered - Your policy covers any privately registered vehicle you travel in, anywhere in the UK and Europe. It also covers your vehicle if it is being driven by someone else with your permission.

Things to remember

• Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.
• Repeat call-outs for the same fault within 28 days won't be covered.

For more information on the cover including exclusions and limitations, please refer to our car breakdown cover page.

Roadside Assistance, At Home and National Recovery: Provided by Automobile Association Developments Limited (trading as AA Breakdown Services)
Onward Travel and Europe: Underwritten by Acromas Insurance Company Limited
Accident Assist: Underwritten by AA Underwriting Insurance Company Limited

Cover for two homes – your main residence and any second you own in the UK (excluding properties you rent out).

To be covered the home must be owned by you and be your permanent, or secondary, private place of residence. Detached garages and outbuildings are not covered. Your home must be in the United Kingdom or the Isle of Wight.

Other exclusions:

• External water supply pipes;
• Boilers over 10 years old, or with an output over 75kw;
• Any emergency if your home has been unoccupied for more than 60 consecutive days
• Detached garages and outbuildings; and
• Homes in Northern Ireland, the Channel Islands, the Scilly Isles and the Isle of Man.

It's important to remember that this is not a household buildings or contents insurance policy, or an equipment maintenance contract.

Already a Reward Black account customer?

If you suffer an Emergency at your Home please call:

Telephone: 0345 601 7188
Relay UK: 18001 0345 601 7188

Our 24/7 concierge service can help you with things like:

• Getting your hands on hard-to-get tickets.
• Booking a table at a top restaurant anywhere in the world.
• Recommending and securing a special gift for any occasion, even gift-wrapped if you need it.
• Booking an executive car.
• Creating that trip of a lifetime.

How do I contact the concierge team?

Use our NatWest Premier Black app or contact us online, any time, day or night.

Order up to six tickets through the booking service for each event, up to four bookings a year.

Enjoy 25% cashback on tickets to the latest concerts and shows.

Use our NatWest Bank Premier Black app or order online, any time, day or night

How do I get my cashback?

You don't need to do anything. It will be paid into your Reward Black account within 30 days of your booking.

Up to 40% of the prices of cinema tickets.

Valid at over 250 UK cinemas including Vue, ODEON and Showcase.

Any day, any time, any film.

How to get your discount?

Purchase or redeem your cinema discount codes online with our NatWest Premier Black app

Buy online through Membership Services