Private Black Credit Card

The card that helps you earn great rewards

Black credit card

  • Available to Black Account customers only
  • 1.25 NatWest YourPoints for every £1 spent on qualifying purchases
  • Range of special offers
  • No annual fee. Over 18s only



Private black credit card summary box.



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Representative Example:
Representative 14.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 14.94% p.a. (variable).

Please note: In the Representative Example we have used an assumed credit limit of £1,200. The actual credit limit assigned to individual accounts will vary depending on our credit assessment of you.

The rewarding credit card

It’s accepted at millions of outlets worldwide – wherever you see the MasterCard symbol. Representative 14.9% APR (variable).

  • 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.
  • NatWest YourPoints – where you can earn great rewards.
  • Special offers – such as spa days, golfing breaks and invitation only events.
  • No annual fee – you’ll not be charged just for having a Black card.
  • We offer a wide range of other credit cards.


Earn even more when you spend

The Private Black Credit Card earns 1.25 NatWest YourPoints for every £1 you spend on qualifying purchases making it our best card for rewards.

Earn NatWest YourPoints every time you use your card for qualifying transactions

Exchange your points 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 – choose from over 100 airlines, 56,000 hotels and many leading car hire companies – with no date restrictions on travel.
  • Great days out – treat yourself to a luxury spa day, family day out, a trip to the theatre or adrenaline fuelled racing day.
  • Quality wines – redeem points for some excellent wine selections.


Great offers

You’ll also have access to a great range of special offers.


Special offers are constantly changing but could include:

  • Special access to many major sporting and cultural events.
  • Partner offers such as sports hire car services and spa breaks.
  • Golfing breaks and other holiday offers.


Applying for a Private Black Credit Card


If you are an existing Black Account customer then your Private Banking Manager will be able to arrange an application for the Private Black Credit Card.

If you aren't sure who your Private Banking Manager is or don't have their contact details, please call 0845 305 0600 (Minicom 0845 900 5961. Calls may be recorded). You need to have a Black Account before you can apply for a Private Black Credit Card.


Get in touch

Call us

0845 305 0600*

All ways to get in touch

*Minicom 0845 900 5961.
Max call charge from a BT landline is 8p plus 4p per minute. Calls from other networks may vary.
Calls may be recorded