NatWest Black Credit Card

Live life at your pace - typical 51.8% APR (variable)

The NatWest Black Card is designed to give you more. From executive airport lounge access to booking a hot air balloon trip in Thailand, all you have to do is ask.

Overview
Value of benefits
Rates and charges

Access to a personal assistant to organise almost every detail you can imagine. Executive lounge access to smooth your journey at over 500 airports. And a very generous rewards programme - NatWest YourPoints.

Criteria for NatWest Black Card

The NatWest Black Card is only available to customers with an income of £75,000 or above and over 25 years of age. Approval is subject to status and conditions.

A £250 fee is payable reflecting a package of benefits worth over £1,300 a year.

What you get

Personal assistant
Ready to help, 24 hours a day
Airport lounge access with Priority Pass
Start and finish your journey in style
Travel insurance for all the family
Including winter sports cover
£15,000 minimum credit limit
Ideal if you have an important purchase you want to make

See rates and charges

Discover the full benefits

To explore the NatWest Black Card in full, speak to your Relationship Manager, or visit the NatWest Black Card website

See value of benefits

These impressive benefits, paid for individually, could add up to over £1,300.

Service	Value
Travel Insurance	£250	Based on comparative travel insurance with winter sports cover for main cardholder, spouse, dependants and up to 3 additional cardholders (source: AIG Europe Ltd)
Airport Lounge Access	£519	Cost of annual Prestige Priority Pass Membership x2 (for primary and secondary cardholder)
Concierge	£160	Cost based on typical Black Card customer requests – 4 services per year at £40 per service (source: WhiteConcierge Ltd)
European Roadside Recovery	£160	Based on similar UK and European Roadside coverage for one car (source: UK Insurance Ltd)
Extended Warranty	£148	Cost based on 2nd year warranty for a washing machine and LCD TV (source: domgen.com)
Home Emergency	£95	Based on coverage for primary and secondary residence (source: UK Insurance Ltd)
Card Protection	£20	Annual cost for Card Protection (source: Card Protection Plus Ltd)
Total	£1,317

Source: September 2008

See Rates and charges

Your NatWest Black card attracts an annual fee of £250 – reflecting a package of benefits which is worth well over £1,000 per year.

Summary Box
The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
APR	Typical 51.8% APR (variable)

Other Interest Rates	Monthly Rate	Annual Rate
Other Interest Rates	Monthly Rate	Simple	Effective
Purchases	1.035%	12.420% p.a.	13.152% p.a.
Balance Transfers	1.035%	12.420% p.a.	13.152% p.a.
Cash Advances	1.285%	15.420% p.a.	16.558% p.a.
Money Transfers	1.035%	12.420% p.a.	13.152% p.a.

Interest Free Period	Maximum 56 days for purchases if you pay your balance in full and on time, and have paid the previous month's balance in full and on time No interest-free period on cash advances or money transfers

Interest Charging Information	The periods over which interest is charged are as follows:
Interest Charging Information	From	Until
Purchases	Transaction date	Repaid in full
Balance transfers	Transaction date	Repaid in full
Cash advances	Transaction date	Repaid in full
Money transfers	Date debited to your account	Repaid in full

Allocation of Payments	Interest on special offers Other interest, any fee and charges Special offers Purchases and balance transfers Cash Advances and money transfers See section 2(D)(c) of your Credit Card Agreement for full details.
Minimum repayment	Each month, the greater of 2.25% of your balance (rounded down to the nearest pound) or £5. We do not recommend that you only ever make your minimum payment.
Amount of credit	Minimum £15,000. Subject to status.
Fees	£250 annual fee
Charges	Cash advances subject to a handling fee of 2% with a minimum of £2 Transactions in foreign currencies are subject to a conversion fee of 2.75% Copies of statements are subject to a fee of £3 Administration fee of £5 to process dishonoured cheque or direct debit.
Default charges	£12 if the account is over the credit limit at any time during a statement period or if you fail to pay on time

Important Information - Calculation of APR in the summary box

We draw to your attention that the typical APR shown in the Summary Box has been calculated under the Consumer Credit Act regulations which require us to use a £1,500 notional credit limit. The £1,500 limit coupled with the £250 fixed annual card fee distorts the advertised APR.

This is illustrated by comparison with the 16.8% APR variable calculated using the minimum credit limit of £15,000 on NatWest Black Card, as reflected in your card agreement.

Please note that the annual interest rate of 12.420% p.a. on your NatWest Black Card remains unchanged. We are not increasing the cost of using your Black Card but are simply complying with regulations.

If you have any questions on the disparity between the advertised APR and the APR in your card agreement please contact Black Card on 0800 923 5904 or Minicom 0800 028 5304.

See Overview

Get in touch

Apply online

Apply or talk to us

Speak to your Relationship Manager

0800 015 1617*

All ways to get in touch

*Minicom 0845 900 5961.
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