YourPoints World MasterCard
More choice than you ever thought possible
Earn 1 point for every £1 you spend on your NatWest YourPoints World MasterCard. It’s accepted at millions
of outlets worldwide, wherever you see the
MasterCard sign.
You need to have a NatWest current account before you can apply for a NatWest YourPoints World MasterCard.
The card that turns ordinary spending into extraordinary rewards
The NatWest YourPoints World MasterCard gives you points towards flights, holidays and some great retail brands like M&S, Boots and Amazon.
- NatWest YourPoints – our exciting reward programme
- 0% interest for six months – from account opening on your card purchases. Typical 16.9% APR (variable)
- Complimentary insurance benefits – including best price guarantee
Exchange the points you earn for a huge choice of rewards from flights and holidays, shopping vouchers, or even spa experiences and theatre nights.
- Shopping vouchers – for top UK brands including, Marks & Spencer, Amazon.co.uk, Boots and Harvey Nichols
- Travel and holidays – through our travel partners easyJet and ebookers.com you can choose from over 100 airlines, 56,000 hotels and many leading car hire companies. What’s more, there’s no date restrictions and when our partners have a sale, you can travel for fewer points, subject to availability.
- Great days out – Use your points to treat yourself to a luxury spa day or a family day out. With choices ranging from trips to the theatre to adrenaline fuelled racing days, the possibilities are endless
- Quality wines – For wine lovers there’s also the option to redeem points for some excellent wine selections
- What can you get with NatWest YourPoints?
YourPoints are easy to earn and you can redeem them for valuable rewards.
| Monthly spend | After 6 months | After 12 months | After 18 months |
|---|---|---|---|
| £500 | M&S £10 voucher (2,000 pts) | Hertz car hire in Lisbon (5,700 pts)* | Curry's £40 voucher (8,000 pts) |
| £700 | Boots £20 voucher (4,000 pts) | Amazon.co.uk £40 voucher (8,000 pts) | Harvey Nichols £50 voucher (10,000 pts) |
| £1,000 | Wines: Best selling Trio (5,270 pts) | easyJet flight London to Belfast (10,600 pts)* | Laurent-Perrier Brut NV Duo (14,595 pts) |
| £1,500 | £40 theatre tokens (8,000 pts) | 3 Star Hotel by Spanish Steps in Rome (17,100)* | Pampering spa day (20,200pts) |
| £2,000 | easyJet flight London to Paris* | Supercar racing thrill gift voucher (17,400 pts) | Short break: Madrid with 3 Star hotel and British Airways flight (from 35,200 pts)* |
These are sample flight prices. Actual prices may vary and are subject to availability.
Prices are correct as 4th March 2010
- 0% interest
You’ll pay 0% interest on all purchases you make with your card for six months after account opening. Typical 16.9% APR (variable).
We may end this introductory offer, if you don’t pay on time or stay within your credit limit.
- Up to 56 days’ interest free credit on purchases
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 won’t charge you a fee just for having a NatWest YourPoints World MasterCard.
Best Price
Buy any new item with your card and if you find exactly the same item somewhere else for less, you could claim the difference. The item must be the same brand, with the same technical features and manufacturer’s or distributor’s reference number. The item must cost at least £30 and the price difference must be at least £40. This cover does not apply to online or catalogue purchases, discounted or sales items.
Any claim has to be submitted within 90 days of the purchase date.
Ticket Cancellation
You could be reimbursed if you’ve booked tickets in advance to events such as concerts, sporting events or amusement parks and can’t attend. Insurance applies to you, your spouse and children under 25 if the tickets were paid for with your card.
You are covered for serious illness, death or accident to yourself or close relative, major property damage, vehicle theft or an accident rendering your vehicle unusable prior to the event. It also covers delayed departure of more than 2 hours or cancellation of public transport prior to the event.
Theft of Handbag or Wallet
If your wallet or handbag is stolen we could cover you for the purchase price of a replacement up to the value of £500. The insured person must notify the police within 12 hours of noticing the insured handbag or wallet has been stolen. An excess of £50 per claim will apply.
Travel Pass Service
From translating a tricky phrase to passport assistance in an emergency, our Travel Pass service is ready and waiting to help you out. All you have to do is register to enjoy the following benefits:
Passport Assistance - If your passport is lost or stolen whilst abroad, we can help you to arrange a replacement passport. You must register your details beforehand for us to provide this assistance
Mobile Phrasebook - We can provide a downloadable phrasebook for a mobile phone. The phrasebook is available in one of 10 languages and provides translations from English to your chosen language for a range of words and phrases
Interpreter In Your Pocket - We can provide access to an over the phone interpreter service which is chargeable and costs £1.99 per minute (plus VAT). You must register to use this service.
Important. Some exclusions apply to these insurance benefits. See the terms and conditions for more information
Stay in control
We make it simple for you to take charge of your card.
Easy to manage
Check your balance, make a payment and much more – using our online banking and credit card online services. Better still, you can do it anytime, wherever you are.
More on managing your card online
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.
Add another cardholder
Add your spouse or partner, a family member or a friend – and you’ll earn points when they use the card. As the main cardholder, you’ll always be responsible for the management of the card account.
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
Transfer money from your NatWest YourPoints World MasterCard to any UK bank account. You simply pay your money transfer rate from the date of the transfer. The minimum transfer is £250. See our rates and charges.
Cash advance
The NatWest YourPoints World MasterCard 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. There is no interest free period for cash advances.
Safe and secure
When you use your card online, on the phone or over the counter, you’ll be glad to know we take your security seriously:
- Fraud text alerts – we’ll send you a text if we spot what looks like fraudulent activity on your card
- MasterCard SecureCode – extra protection when you’re shopping online. MasterCard SecureCode is a simple and secure way to pay at thousands of online stores. It uses an additional password, known only to you, which must be entered before a payment can be made with your card. This protects you against unauthorised use of your card online.
- Rapport security software – boost your defences against fraud when you manage your card online. Rapport is an extra layer of security that protects you from fraudsters trying to steal your login information when you use online banking.
Discounts for Advantage Gold customers
If you have an Advantage Gold current account, you get a 1% discount on the typical APR for at least 12 months. Rates are variable. To take advantage of this offer, log in to online banking and apply by clicking on the ‘credit card’ link.
If you don’t use online banking, call us on 0800 096 0220 to apply.
The monthly fee for an Advantage Gold account is £12.95.
Who can apply?
You need to have a NatWest current account before you can apply for a NatWest YourPoints World MasterCard.
If you’re an existing NatWest current account customer, you can apply for a YourPoints World MasterCard online today.
You must provide your NatWest account number and sort code when you apply. The NatWest YourPoints World MasterCard is available subject to approval, only to existing NatWest current account customers with an income of £20,000 p.a. or over, but customers on a lower income may be considered. Customers need to be aged 18 or over.
If you are an existing NatWest current account customer and you already have a NatWest credit card, you can still apply for a YourPoints World MasterCard.
Get more from your card with our online services
Credit Card Online Services
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
- Transfer money to another UK bank account
- Manage your account
- Switch paper statements on or off
- Request a paper statement online
- Request a credit limit 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.
Online banking
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.
Introductory and special offers
We may end any introductory offer, including any balance transfer offer, if you do not pay on time or stay within your credit limit.
YourPoints World MasterCard
You can download the summary box for the YourPoints World MasterCard as a PDF.
You may need Adobe Reader to view some of these documents. Get Adobe Reader. Visit access.adobe.com.
Important information
The NatWest YourPoints World MasterCard is available subject to approval, only to existing NatWest current account customers with an income of £20,000 p.a. or over, but customers on a lower income may be considered. Customers need to be aged 18 or over. These services are for the attention of UK residents only and are only available in the UK.
For important information on interest and charges please view:
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.
