Gold Credit Card

We could help you to cut your credit card balances down to size.

Gold Credit Card - main benefits

Balance transfer - switch your balances within three months of opening your account, and pay 8.9% p.a. for the life of the balance transfer

Shrink your balance - we'll pay 2%. of your remaining transferred balance into your account, every six months

Everyday spending - pay 8.9% p.a. on purchases for nine months from account opening

No balance transfer fee - and no annual fee, with a Typical 16.9% APR (variable)

...and much more

You'll also enjoy up to 56 days' interest free credit on purchases (please see rates and charges for details), plus comprehensive protection against online threats, fraud and identity theft.

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

If you are an existing NatWest current account customer then that is great news as you could apply for our Gold Card online today and take advantage of our great low rate on purchases.

You must provide your NatWest account number and sort code within the application, be aged 18 or over and earning at least £10,000.

If you are an existing NatWest current account customer and you already have a NatWest Credit Card, you can still apply for the NatWest Gold Card, but please note that transfers from other Royal Bank of Scotland Group cards are not permitted.

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 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 8.9% on all your purchases for a whole nine months from account opening.

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

Transfer your balances

Transfer any balances you have to us in the first 3 months from account opening and pay just 8.9% p.a. for life of balance and, every 6 months thereafter, we will give you a 2% payment back.

What's more there is no balance transfer fee!

The 2% payment is calculated on the outstanding amount of those balances transferred in the first 3 months.

Please refer to the balance transfer rebate scheme terms and conditions for important information.

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

Balance transfers are limited to 95% of your available credit limit so if your new card has a limit of £2000 you could switch up to £1900 of your existing balances. Transfers from other Royal Bank of Scotland Group cards are not permitted.

Please note that if you take advantage of the 8.9% p.a. balance transfer offer and the 8.9% p.a. purchase offer your monthly payments will be used to pay off your balance transfer first.

We may end any introductory offer, including any balance transfer 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 Gold Credit Card.

1% discount on the APR

If you also have an Advantage Gold current account you are guaranteed a 1% discount on the standard typical APR 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.

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 Gold Credit Card as a PDF.

• Gold Credit Card Summary Box (PDF File 25KB)

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

The NatWest Gold Credit Card is available subject to approval, only to existing NatWest current account customers with an income of at least £10,000 p.a., and aged 18 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.

This offer is available exclusively online.

Balance Transfer Rebate Scheme Terms and Conditions

1. In order to qualify for the Balance Transfer Rebate ('the Rebate'), one or more balance transfer transactions must be debited to your credit card account ('your account') in the first 3 months from account opening.
   Please see Other Financial Information 2(B) of your credit card account terms and conditions ('credit card agreement') for details of the interest rate that applies to balance transfers.
2. Any balance transfers debited to your account during the first 3 months from account opening (the 'Qualifying Balance') will be eligible for the Rebate. Balance transfers debited to your account after the first 3 months from account opening will not be eligible for the Rebate.
3. Balance transfers are limited to 95% of your credit limit. You will receive details of your credit limit with your card.
4. The Rebate will be a sum equal to 2% of such part of the Qualifying Balance that remains outstanding, as follows (i) on the date of your 8th statement from account opening, and (ii) on the date of every 5th statement thereafter. The statement date will appear at the top of your credit card statement and will remain fixed unless you elect to change your statement date. If you change your statement date, the Rebate will be calculated on your new statement date.
5. The Rebate will be paid in the form of a credit to your account and will appear on your following month's credit card statement.
6. Balance transfers for the purposes of the Rebate will have the meaning set out in your credit card agreement.
7. If you break any terms and conditions of the credit card agreement with us, we reserve the right to (a) postpone or cancel payment of any Rebate earned but not yet credited to your account and (b) reduce or end any future Rebate.
8. In the event that we take steps to terminate your credit card agreement, any Rebate earned but not yet credited to your account will be forfeited immediately. We may do this if you break any term of your credit card agreement, you become bankrupt, you die, we take action against you to obtain payment under your credit card agreement or you end your credit card agreement with us.
9. On giving 6 months' notice to you, we may terminate the Rebate scheme and, on giving 30 days' notice to you, we may change these rules, the transactions that qualify for the Rebate, the rate at which the Rebate is earned, when the Rebate is paid and how it is paid to your account.

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

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.