Apply for your Platinum Credit Card

Safe and secure online application
Safe and secure online application

Rates and important information

Our longest balance transfer card

From account opening our Platinum Credit Card offers 0% interest for 20 months on all balances transferred with 3 months

Rates and summary box

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

Platinum Credit Card Summary Box ( PDF File 70KB)

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Other important information

Balance transfers are limited to 95% of the credit limit. If your new Platinum Credit Card has a limit of £2,000, you could switch up to £1,900.

Balance transfers from other Royal Bank of Scotland Group cards are not permitted.

Interest on fees and charges is payable in line with our terms and conditions

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 once the 0% introductory interest rate has ended.

If you have an Advantage Gold current account (monthly fee is £12.95) you will get an initial 1% discount on your APR for a minimum of 12 months. Rates variable. To take advantage of this offer you must apply using your online banking details, alternatively call us on 0800 096 0220. Minicom 0800 917 0526. Calls may be recorded. If you apply by phone please be aware that a different offer could be available.


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Important information - read this before you apply


  • Representative 17.9% APR (variable).
  • We use your application details and information obtained from credit reference agencies to decide the APRs we offer to individual customers. At least 51% of customers offered a credit card will receive our Representative 17.9% APR (variable). The standard interest rate for purchases and effective rates for balance transfers and money transfers for other customers will be either 18.9% p.a., 19.9% p.a. or 20.9% p.a.
  • Please ensure you have read about our Platinum Credit Card and understand the rates and fees and important information associated with this credit card.

Continuing your application online


Existing customer?

If you use online banking we can save you time by pre-filling your application.

I use online banking - Apply
I don’t use online banking - Apply

New customers

New to NatWest? Start your application.

I do not currently bank with NatWest

Advantage Gold customer?

If you also have an Advantage Gold current account you will get a 1% initial discount on the APR for which you qualify for at least 12 months. Rates variable. To take advantage of this apply online using your online banking details or call us on 0800 096 0220 (Minicom 0800 028 5304). If you apply by phone, be aware that a different offer could be available.

Lines are open: Mon to Fri 8am-8pm, Sat 9am-6pm (excl. public holidays). Calls may be recorded

Final Checklist

Before you apply make sure...

  • You have an income over £10,000 per annum
  • You are aged 18 or over
  • You are a UK resident
  • You know your income, employer's name and employer's address
  • You have your last three years address details
  • You have not already applied for this card within the last six months