Gold Credit Card

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 choose any other amount. 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 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 Gold Credit Card gives you access to £500 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 a low rate of just 4.9% on all your purchases for a whole nine months from account opening.

After the introductory period, your purchases will be charged at your standard rates. Find out 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.

There is no fee and so your transferred balances will just be charged at your standard rates. 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 Gold Credit Card has a limit of £2000, you could switch up to £1900 of your existing balances.

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 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. To take advantage of this offer you must log in to online banking and apply by clicking on the ‘credit card’ link. If you do not use online banking, please call us on 0800 096 0220 to apply.

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. For more details or to register please call 0870 162 0331*.

NatWest Travel Service

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

Travel support

Turn to us for the lowdown on visas, passports, health and vaccinations before you travel. We can also forward documents or medical supplies while you’re travelling.

Medical support on your travels

Whether you become ill overseas or have an accident and need immediate treatment, we can arrange essential medical transport. Plus we can arrange for your dependent children to return to the UK.

* Maximum call charge from a BT landline is 6p plus up to 6p per minute. Calls from other networks may vary.

To benefit from the full period of any special offer, including any introductory special offers, you must not break any term of your credit card agreement.

The NatWest Gold Credit Card is available subject to approval, only to persons with an income of at least £20,000 p.a., and aged 21 or over. 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.

The application process takes place within a secure Web site. All information submitted is protected by strong security techniques including 128-bit encryption so that it cannot be read by others.

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.

To complete an application you should have the following: Income details, Bank or Building Society details, Employer's name, address and telephone number, Details of a previous address if you've lived at your current address for less than two years, and Details of other credit or store cards (should you wish to transfer a balance to NatWest).