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Platinum Credit Card
Our balance transfer card
From account opening get:
- 0% interest for 20 months on all balances transferred
within 3 months. (2.9% fee, min £5) - 0% interest for 6 months on purchases
Earn over £10k p.a. Available to over 18s only.
UK residents.
Representative example
- Representative APR: 17.9% APR (variable)
- Purchase rate: 17.95% p.a. (variable)
- Assumed Credit Limit: £1,200
The actual credit limit assigned to your account will vary depending on our credit assessment of you.
Our great rates and managing your account
Our longest balance transfer card
0% interest for 20 months on balances transferred within 3 months of account opening. (2.9% fee, min £5). After 20 months for balance transfers and after 6 months for purchases the standard annual rate will be 17.95% p.a. (variable). We may end any introductory offer, including any balance transfer offer, if you do not pay on time or stay within the credit limit.
Managing your card online
- Keep up to date with Online Banking and Credit Card Online Services
- View/print statements
- Add additional card holders
and many more benefits...
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
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YourPoints - 3 things you need to know
Loyalty YourPoints
You'll receive 2,500 bonus points when you take out a new card, and every year thereafter. So that’s enough points every year for a £10 shopping voucher to spend at M&S, Boots or amazon.co.uk, with 500 points left over to put towards your next great reward.
Collecting YourPoints
For every £1 you spend you'll earn 1 point. So the more you use your card the sooner you can afford to spend YourPoints, your way. It really is that simple.
Spending YourPoints
Now for the fun part – the spending. Use YourPoints for almost anything our partners sell, like the latest digital camera from Amazon.co.uk, designer labels from Harvey Nichols, a second honeymoon from ebookers.com or a weekend break with easyJet.
Unlike other programmes, when our reward brands have a sale, so does YourPoints – this means better value for you. For example, if brands like BA, easyJet, Hilton or Hertz discount their prices, you use fewer YourPoints.
What your points get you
| What your points get you | ||||
|---|---|---|---|---|
 | 1 x £10 voucher | 2,000 points | ||
 | 1 x £20 voucher | 4,000 points | ||
 | 1 x £25 voucher | 5,000 points | ||
 | 1 x £50 voucher | 10,000 points | ||
 | Rtn flight from Luton to Paris* | 11,100 points | ||
*This sample flight price was generated on the 14th October 2011.
Actual prices may vary and are subject to availability.
Bonus YourPoints Scheme ("the scheme")
- The terms of this scheme and all points credited under it are subject to the YourPoints terms and conditions.
- 2,500 points will be credited to your YourPoints account within 30 days of the day you receive your YourPoints World MasterCard and on the anniversary of that day each year.
- We may, at our reasonable discretion, refuse to award points under this scheme if: i) you breach your credit card agreement or the YourPoints terms and conditions; or ii) we suspend use of your credit card; or iii) you or we give notice to end your credit card agreement.
- We may vary or end this scheme by giving reasonable prior notice.
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 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 File 102KB)
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 £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.
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 £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.
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, from great deals through MasterCard, saving on holidays through the NatWest travel service, to discounts with Virgin Media.
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.
Optional Card Protection Plus cover
Please read the Keyfacts about our insurance services if you are considering optional Card Protection Plus.
Insure and protect
Card Protection Plus insures and protects registered cards if they are lost or stolen. One free phone call will cancel all your cards and order replacements. All your credit, store and debit cards can be registered, as well as those for up to four other adults, over the age of 18, in your household.
What is covered?
If your cards are lost or stolen one phone call will cancel all your cards and order replacements.
Unauthorised transaction cover
Unauthorised transaction cover of up to £20,000 to cover lost or stolen cards that is not reimbursed by your card issuer (must be reported within 24 hours of discovering your cards are lost or stolen).
Lost or stolen card
If they are lost or stolen when away from home you can apply for up to £5,000 emergency cash advance to help you get back on your feet, and up to £5,000 to pay for lost tickets and travel documents. You may also apply for up to £3,000 towards hotel bills if you are abroad whilst your cards go missing. Cash advance is subject to status, interest-free and repayable within 28 days.
How much does it cost?
Protection for just £36.99 for one year or £89.99 for 3 years including Insurance Premium Tax. Interest, where applicable, will be charged in line with our terms and conditions.
Advantage Private and Private Black current account customers receive a form of card protection as part of their package. Monthly account fee is £19.95 for Advantage Private and £24 for Private Black.
Still not sure?
You can cancel the cover within 21 days of the start date and receive a full refund.
How do I apply?
It’s easy – just select Card Protection Plus when you apply for your card online. Or you can apply later if you prefer. Find out more about our Card Protection Plus.
Call Card Protection Plan Ltd (the providers of this policy) on 0844 848 2920. Terms, conditions and limitations may apply to various aspects of your cover – full details will be provided before you join.
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.