YourPoints World MasterCard

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. Plus, for nine months from account opening you’ll receive double YourPoints.

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")

1. The terms of this scheme and all points credited under it are subject to the YourPoints terms and conditions.
2. 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.
3. 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.
4. We may vary or end this scheme by giving reasonable prior notice.

Rates and summary box

You can download the summary box for the YourPoints World MasterCard as a PDF.

YourPoints World MasterCard Summary Box ( PDF, 64KB)

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.

Other important information

Balance transfers are limited to 95% of the credit limit. If your new YourPoints World MasterCard 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.

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.

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 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.

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

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 YourPoints World MasterCard. In fact, we'll reward you with 2,500 bonus YourPoints every year instead.

Transfer money into your other bank accounts

You can transfer money from your YourPoints World MasterCard 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.

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).

Cash advance

Your YourPoints World MasterCard 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 YourPoints World MasterCard with our Credit Card Online Services.

Fantastic discounts

Save money with a range of retailers when you spend on YourPoints World MasterCard, from great deals through MasterCard to saving on holidays through the NatWest travel service.

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.

• Find out more about using cards abroad and for details of fees and exchange rates

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.

• Find out about our commitment to our customers

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.