Platinum Credit Card

Stop paying interest on your balances for the next 16 months – and save on everyday spending too.

Platinum Credit Card – main benefits

0% on balance transfers for 16 months from account opening – if you switch your balances within three months of opening your account

Balance transfers are limited to 95% of your available credit limit so, if your new Platinum Credit Card has a limit of £2000, you could switch up to £1900.

Please note that if you take advantage of the 0% balance transfer offer and the 0% purchase offer, your monthly payments will be used to pay off your balance transfer first.

0% on purchases – for three months from account opening

2.9% balance transfer fee - (minimum £5), and a Typical 16.9% APR (variable)

1% off the APR for Advantage Gold customers – guaranteed on our standard credit card rate for at least 12 months. Monthly fee for Advantage Gold account is £12.95

…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.

Interest free credit applies if you pay the balance in full and on time, and have paid the previous month’s balance in full and on time.

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’ll need to have an income of at least £10,000 and aged 18 or over to get the Platinum Credit Card.

You could apply for our Platinum Card online today and take advantage of our great 0% balance transfer offer.

You must be aged over 18 and earning at least £10,000 to apply.

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

You could be interest free

For a whole 16 months from account opening you’ll pay 0% interest on your balance transfers.

And for 3 months from account opening you could also pay 0% on your purchases.

There’s just a 2.9% fee when you transfer a balance during the first 3 months with a minimum of £5

Typical 16.9% APR (variable).

This offer is only available online.

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 Platinum Credit Card has a limit of £2000, you could switch up to £1900.

Please note that if you take advantage of the 0% balance transfer offer and the 0% 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

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 Platinum 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 Platinum Credit Card gives you access to £750 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.

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 Platinum Credit Card.

1% discount on the APR

If you also have an Advantage Gold current account you are guaranteed a 1% initial discount on the APR for which you qualify 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. If you apply by phone please be aware that a different offer could be available.

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 8p plus up to 8p per minute. Calls from other networks may vary.

Get more from your card with our online services

If you use NatWest online banking you can see basic details of your credit card usage, such as latest transactions and balance, alongside your other accounts.

You may need to add your credit card to the service, which is easily done by selecting 'Add Credit Card' from the Admin area once you have logged in.

Get the most from your credit cards with online servicing. Now you can:

• Stay up to date
  • Set up alerts to let you know your balance and remind you when your payment is due
  • See up to date balances and transactions
  • Request a paper statement online
• Make payments
  • Pay a bill with your credit card
  • Request a balance transfer
  • Transfer money to another UK bank account
• Manage your account
  • Switch off & on paper statements
  • Request a paper statement online
  • Request a credit line increase
  • Apply for an additional cardholder
  • Get a PIN reminder
  • Change address online
  • View up to 3 months of transactions and view, download or save up to 6 months of statements

More about Credit Card Online Services.

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

All customers will receive the introductory offer of 0% for 16 months on balance transfers.

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

• Platinum Credit Card Summary Box (PDF File 48KB)

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

We use your application details and information obtained from credit reference agencies to decide the APRs. Over two thirds of our customers offered a credit card will receive our advertised rate of 16.9% APR (variable). For other customers the effective APRs for purchases and balance transfers will all either be 17.9%, 18.9% or 19.9%.

The NatWest Platinum Card is available subject to approval. To apply you should have an income of at least £10,000 p.a. and be 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.

If you take advantage of the balance transfer offer and the purchase offer, your monthly payments will be used to pay off your balance transfer first. Interest on fees and charges is payable in line with our terms and conditions.

This offer is only available for application online.

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.