Student Credit Card
Great savings and a real-world credit limit
Want to keep a lid on your finances? A maximum credit limit of £500 could help.
Representative 18.9% APR (variable)
We've designed a credit card especially for the way you live your life. Available exclusively to Student current account holders. Over 18's only.
Student Credit Card – main benefits
Control your spending – with a £500 maximum credit limit
Direct Debit – never miss a credit card payment, and avoid late fees
No annual fee
…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.
Financial benefits
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 Student Credit Card.
Take control of your card
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 choose any other amount. However, we don’t recommend just making the minimum payment and you must have sufficient funds to pay your direct debit successfully.
Cash advance
Your Student Credit Card gives you access to £250 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.
Get more from your card
Stay safe online with our internet shopping guide
Keep your card safe from fraudsters, with our credit card security guide
Get more from your card with our online services
We offer two ways to manage your credit card online, NatWest online banking (where you can manage your bank account and NatWest bank account 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 |
| Free email/text alerts - reminders of your balance and when payments are due | | |
| Manage personal details - change your address and contact details online | | |
 Find out more | Find out more |
Student Credit Card
You can download the summary box for the Student Credit Card as a PDF.
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Important information
The NatWest Student Credit Card is available subject to approval, only to persons aged 18 or over with a NatWest Student current account. 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.
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.
For more product information or to request an application pack call 0800 096 0220. Customers with hearing and speech impairments can contact us by Minicom number 0870 154 1192
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.
National Westminster Bank PLC. Registered in England. No. 929027. Registered Office: 135 Bishopsgate, London, EC2M 3UR.
Apply now
Call to book an appointment or speak to an advisor
0800 096 0220
Minicom
0800 028 5304
Lines are open:
Mon to Sat 9am-5pm
(excl. public holidays).
Calls may be recorded
Avoid missing your Credit Card payments
Receive FREE text or email alerts when your payment is due.
Your network operator may charge you for texts received whilst overseas