Advantage Gold Credit Card

Take out an Advantage Gold Credit Card together with an Advantage Gold Account and you could get all the benefits of your Advantage Gold Account for up to £80 less after a year.

The Advantage Gold Credit Card is linked to an Advantage Gold Account; please speak to a Customer Adviser in branch if you need assistance to open one.

The more you spend on your purchases with your Advantage Gold Credit Card, the more Money Back you could receive. How much you get back after 12 months depends on the average monthly spend on purchases made with your card (see table below) but it could be as much as £80. This offer applies in the first year only.

Please refer to the Advantage Gold Credit Card Terms and Conditions important information about this offer.

Money Back will be credited to your Advantage Gold Account.

As an Advantage Gold Account customer you’ll get some great benefits including:

• Worldwide travel insurance
• Mobile Phone Insurance
• Identity Theft protection
• Green Flag Car Breakdown Insurance

• 0% interest on purchases for 6 months from account opening
• If you also have an Advantage Gold account, you get an initial 1% discount on our standard APR for at least 12 months giving you a ‘Typical 15.9% APR (variable)’

There must be a minimum average of £500 per calendar month credited to your Advantage Gold account. Our current monthly membership subscription is £12.95. Subscription correct as at 01/01/09.

We may end any introductory offer if you do not pay on time or stay within your credit limit.

Manage your credit card online

Check your balance or make a payment from your computer.

Worry-free payments

A Direct Debit means you’ll always pay your bill on time. Settle the balance in full or make the minimum payment. However, we don’t recommend just making the minimum payment and you must have sufficient funds to pay your direct debit successfully.

Credit limit increase

You can ask us to review your credit limit after you’ve had the card for six months.

Move funds to a bank account

You can transfer money from your Advantage Gold Credit Card to any UK bank account. You simply pay your money transfer rate from the date of the transfer, and the minimum transfer is £250. See our rates and charges.

Cash advance

Your Advantage Gold Credit Card gives you access to £300 each day, from cash machines around the world. The amount you can withdraw depends on your credit limit, and there’s a 3% handling fee - a minimum of £3.

Purchases

Pay 0% interest on your purchases for a whole 6 months from account opening.

After the introductory period, your purchases will be charged at your standard rate. For more about purchases – see our rates and charges.

Transfer your balances

Why not consolidate your existing debt into one easily manageable sum by transferring balances from your existing cards to your NatWest Credit Card. Transfers from other Royal Bank of Scotland Group cards are not permitted.

There is no fee and so your transferred balances will just be charged at your standard rate. Find out more about balance transfers – see our rates and charges.

Transfer up to a limit of 95% of your credit limit

If your new Advantage Gold Credit Card has a limit of £2000, you could switch up to £1900 of your existing balances.

We may end any introductory offer if you do not pay on time or stay within your credit limit.

Interest-free period every month

If you pay your balance (and your previous month's balance) in full and on time each month you'll enjoy up to 56 days' interest free credit on all purchases.

No annual fee

We don’t send you a bill just for choosing a Advantage Gold Credit Card.

1% discount on the APR

If you also have an Advantage Gold current account you are guaranteed a 1% initial discount on our standard credit card rate for at least 12 months. Rates variable.

Add another cardholder

Who do you know that would really appreciate being on your credit card account? Just remember that although they’ll be able to spend on your account, you’ll always be responsible for the card.

NatWest Wine Club

Look out for cardholder-only offers, as well as the occasional free gift.

NatWest Travel Service

Book holidays and work trips with a great choice of discounts, including air tickets and hotels.

We may end any introductory offer, including any balance transfer offer, if you do not pay on time or stay within your credit limit.

You can download the summary box for the Advantage Gold Credit Card as a PDF.

• Advantage Gold Credit Card Summary Box (PDF File 22KB)

You may need Adobe Reader to view some of these documents. Get Adobe Reader. Visit access.adobe.com.

The NatWest Advantage Gold Credit Card is available subject to approval, only to persons with an income of at least £10,000 p.a., and aged 18 or over, and who hold an Advantage Gold Account. These services are for the attention of UK residents only and are only available in the UK. Please view Summary Box for important information on interest and charges.

Please visit your nearest branch or call us now to apply.

Money Back Scheme Terms and Conditions

1. To open a NatWest Advantage Gold Credit Card (the “Card”) you must be a customer of National Westminster Bank Plc (“NatWest”) with an Advantage Gold Account.
2. In order to qualify for an amount of money credited into your Advantage Gold Account (“Money Back”), as calculated in accordance with Clause 3 below, the Card must be linked to an Advantage Gold Account and there must be a minimum average of £500 per calendar month credited to your Advantage Gold Account. The average amount credited is the total credited to your Advantage Gold Account over the qualifying period (see Clause 3 below) divided by 12.
3. If you use the Card to make Purchases over a period of 383 days from the date that we open your Card (“qualifying period”), then at the end of the qualifying period a Money Back will be calculated according to the Average Monthly Spend on Purchases as follows:

4. Purchases, for the purposes of these terms and conditions are purchases made on the Card and do not include a) balance transfers; b) money transfers; c) advances (including but not limited to cash advances and gambling transactions); d) interest, fees or charges applied against your Card account; e) any purchase transaction which is the subject of a refund to your Card account (we will adjust the Money Back you have earned or subsequently earn to take into account any refund to your Card account).
5. Any Money Back will be applied and credited to your Advantage Gold Account within 60 days after the end of the qualifying period.
6. If you break any of the terms and conditions of the Card agreement with us or your Advantage Gold Account or there is suspected fraud involving the Card, PIN or password or involving your Advantage Gold Account, we reserve the right to postpone or cancel payment of any Money Back earned but not yet credited to your Advantage Gold Account.
7. Any Money Back earned but not yet credited to your Advantage Gold Account will be forfeited immediately in the event that:
   • we take steps to terminate the Card agreement because you break any of its terms and conditions; or
   • we are entitled to close your Advantage Gold Account immediately under its terms and conditions; or
   • you become bankrupt; or
   • you die; or
   • we take action against you to obtain payment under your Card agreement or under your Advantage Gold Account; or
   • you end your Card agreement with us; or
   • you close or downgrade your Advantage Gold Account.
8. On giving at least 30 days’ notice to you we may change these terms and conditions, the transactions that qualify for a Money Back, the amount of Money Back earned, when the Money Back is paid and how it is paid.
9. Credit facilities are available only to persons aged 18 years or over.
10. These terms and conditions are subject to the terms and conditions of the Card and the Advantage Gold Account.

The information you provide will be subject to a credit search with a credit-scoring bureau. Each time a credit search is conducted it is recorded against your details held at the credit-scoring bureau.