Student credit card

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.

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.

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.

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

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

• Student Credit Card Summary Box (PDF File 86KB)

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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

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.

As the funds transfer process is currently taking 2 days longer than required we will be refunding 2 days interest to you for the Balance Transfer. This is to compensate you for 2 days interest that you may have been charged by your current provider(s). The interest refund is calculated at an annual interest rate of 29.9%. The refund will appear on your next statement, once the account has been approved and the transfer agreed.

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.
Please see our Keyfacts about our Insurance Services, Policy Summary and Terms and Conditions (PDF File 81KB)

What is covered?

If your cards are lost or stolen one phone call will cancel all your cards and order replacements.

Lock and key cover of up to £600 to replace your locks and keys if they are lost, stolen or damaged. Just notify Card Protection Plan Ltd, the insurer, within 24 hours of discovering your keys are lost or stolen and before you incur any costs.

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).

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.

If your mobile phone is lost or stolen Card Protection Plus will cover up to £1,000 unauthorised use for the 12 hours before you report the loss and connect you to your network provider to lock the phone.

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.
Black Account customers receive a form of card protection as part of their package. Monthly fee is £24 for Black Account.

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 by calling Card Protection Plan Ltd (the providers of this policy) on 0844 848 2920.

Find out more
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.