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Apply for your Platinum Credit Card
Safe and secure online application
Important information - read this before you apply
- Representative 18.9% 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 18.9% APR (variable). The standard interest rate for purchases and effective rates for balance transfers and money transfers for other customers will be either 19.9% p.a., 20.9% p.a. or 21.9% 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.
Do we already know you?
If you use online banking we can save you time by pre-filling your application
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
Rates and important information
Our longest introductory balance transfer rate
From account opening our Platinum Credit Card offers 0% interest for 26 months on all balances transferred within 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, 102KB)
You can also download a sample copy of the Terms and Conditions ( PDF, 222KB) as a PDF. These are for information only and do not replace the Terms and Conditions in the application process.
You may need Adobe Reader to view some of these documents. Get Adobe Reader. Visit access.adobe.com.
Credit Card Applications including a Balance Transfer
It may take up to three weeks to process your application and for the payment to reach your other accounts. In this time you need to continue to make payments to your other cards to keep them up to date and avoid paying any penalty fees.
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.
Rates and important information
Our low balance transfer fee card
From account opening our Platinum Credit Card - Low Balance Transfer Fee Offer, offers 0% interest for 13 months on all balances transferred within 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, 102KB)
You can also download a sample copy of the Terms and Conditions ( PDF, 222KB) as a PDF. These are for information only and do not replace the Terms and Conditions in the application process.
You may need Adobe Reader to view some of these documents. Get Adobe Reader. Visit access.adobe.com.
Credit Card Applications including a Balance Transfer
It may take up to three weeks to process your application and for the payment to reach your other accounts. In this time you need to continue to make payments to your other cards to keep them up to date and avoid paying any penalty fees.
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.
Rates and important information
Our longest introductory balance transfer rate
From account opening our Platinum Credit Card - Extended Balance Transfer Offer - offers 0% interest for 24 months on all balances transferred within 3 months.
Rates and summary box
You can download the summary box for the Platinum Credit Card - Extended Balance Transfer Offer as a PDF.
Platinum Credit Card Summary Box ( PDF, 102KB)
You can also download a sample copy of the Terms and Conditions ( PDF, 222KB) as a PDF. These are for information only and do not replace the Terms and Conditions in the application process.
You may need Adobe Reader to view some of these documents. Get Adobe Reader. Visit access.adobe.com.
Credit Card Applications including a Balance Transfer
It may take up to three weeks to process your application and for the payment to reach your other accounts. In this time you need to continue to make payments to your other cards to keep them up to date and avoid paying any penalty fees.
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 account fee is £15) 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.
Rates and important information
Our lowest balance transfer fee
From account opening our Platinum Credit Card offers 0% interest for 13 months on all balance transfers within 3 months, with a 1% balance transfer fee (min £5)
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 67KB)
You may need Adobe Reader to view some of these documents. Get Adobe Reader. Visit access.adobe.com.
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 account fee is £15) 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.
Managing your card online
We offer two ways to manage your credit card online
We recommend signing up for both NatWest online banking (where you can manage your cards and NatWest bank accounts together) and Credit Card Online Services.
Credit Card Online Services is the complete way to manage your credit card online and lets you do more.
| Feature | Online banking | Credit Card Online Services |
|---|---|---|
| Balances - get up to date balances and pay your bill |  | |
| Switch off paper statements - save paper and switch to online statements | | |
| View transactions online - view earlier transactions | 4 months | 18 months of PDF statements |
| Email/text alerts - reminders of your balance and when payments are due | | |
| Balance transfers - transfer balances from other credit/store cards | | |
| Manage personal details - change your address and contact details online | | |
| More about Online Banking | More about Credit Card Online Services |
Financial features to help you day to day
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 once the 0% introductory interest rate has ended.
No annual fee
We don't send you a bill just for choosing a Platinum Credit Card.
Transfer money into your other bank accounts
You can transfer money from your Platinum Credit Card to any UK bank account. You'll pay the money transfer interest rate from the date of the transfer. The minimum transfer is £250. See rates and important information.
Cash advance
Your Platinum Credit Card gives you access to £750 a 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. See rates and important information.
Worry-free payments
A Direct Debit means you'll always pay your bill on time. Settle the balance in full or just make the minimum payment. We don't recommend just making the minimum payment and you must have enough money in your account to pay your Direct Debit successfully.
Pay bills using your card
Pay a bill using your Platinum Credit Card with our Credit Card Online Services.
Additional benefits available with your card
Fantastic discounts
Save money with a range of retailers when you spend on Platinum Credit Card, check out the great deals offered through MasterCard.
Use your card worldwide
MasterCard is accepted in over 200 countries and in over 30 million locations worldwide, wherever the MasterCard acceptance mark is displayed.
24/7 Telephone banking
Managing your card online is easy but not always convenient. NatWest also gives you the option to manage your card 24/7 with telephone banking.
Our commitment
The NatWest Customer Charter- We're committed to becoming Britain's most Helpful Bank by changing the ways we help our customers. And we’ll keep you updated about our progress.
Credit card security
Working to protect you and your card
Your NatWest Credit Card is designed to help keep you safe, with Chip and PIN protection.
Setting up alerts in Credit Card Online Services
Setting up alerts means that we can alert you by email, text or both for:
- Payment due date reminders
- Fraud alerts and personal reminders
- Alerts to help you manage your balance
Receive alerts when we spot a suspicious transaction
Sometimes we spot what looks like a fraudulent transaction on your credit card - so to make sure, we’ll call you and check. Better still, why not join our free fraud text alert service?
It’s just another way we’re working to keep your card and your money safe. To sign-up for this service, simply visit our fraud text alert website.
Your network operator may charge you for texts received whilst overseas.
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