Get Rewards on your spending with a Reward credit card

We like to keep things nice and simple.

So, 5 Rewards gives you £5 if you bank them.

(They could be worth even more if you exchange them for certain vouchers.)

• Earn 1% or more from chosen retailers, like Harvey Nichols, National Express and Europcar.
• Enjoy personalised offers worth up to 15%.
• Check your email to discover how many Rewards you’ve earned, plus the latest offers.

Just so you know…

All Reward offers are subject to the retailers’ terms and conditions. 

Bank them: 

Turn your Rewards into cash, which goes into your bank account.

Trade them

Swap them for gift cards from chosen retailers – some gift cards are worth more than the cash.

Donate them

Use your Rewards to gift money to one of our chosen charities.

To pay, place your device on a contactless card reader. And – hey presto! – you’ve paid.

It takes just minutes to set up, so what are you waiting for?

How to set up Apple Pay

How to set up Google Pay 

Just so you know…

Apple Pay is only available on certain Apple devices. 

Google Pay is only available on certain Android devices. 

With an instalment plan, you could spread the cost of an eligible purchase, or an expired 0% balance transfer.

You won’t pay interest – instead, you’ll pay a fixed amount each month. This could save you money.

With a instalment plan, you could:

• Choose if you want to pay us back over 3, 6, 12 or 24 months.
• Budget better, as you pay a fixed monthly fee.
• Pay less, potentially, as you pay a fixed monthly fee, not interest, which could be cheaper.

Calculate how much you could save with a instalment plan

What you need to know about our instalment plan:

• It costs less than the usual repayment interest on your card.
• You'll need the NatWest app to set up, track and manage it.
• We'll alert you if you can get it via the app. 
• It's for existing credit card customers only. 
• Eligibility criteria and monthly fees apply.
• You can only get it for a transaction that's on your latest statement, or added just after your statement was produced.
• You can't have a cash balance on your credit card account.
• Your monthly payments and fee depend on the cost of your purchase and how long you choose to pay it back.
• You can't increase your credit limit by moving a purchase to a instalment plan, as it's included within the plan.

Got a nagging feeling you've lost or misplaced your card?  No worries. Freeze your card, so it can’t be used until you find it.

To instantly lock and unlock your card: 

1.       Log in to the app and go to your credit card account.

2.       Tap ‘Manage my Card’.

3.       Swipe the ‘Lock Card’ switch right to lock right away (or left to unlock).

Forgot your card PIN? Get an instant reminder:

1.       Log in to the app and go to your credit card account.

2.       Tap ‘Manage my card’.

3.       Prove it's really you – and we'll instantly show you your PIN.

1.       Use the app to check your balance.

2.       Set a daily or monthly budget.

3.       Lock certain transaction types.

4.       Get notifications if you go over budget.

5.       Change your credit limit.

6.       Pay your balance when you want.

7.       Set up a Direct  Debit.

So, what's your credit score? Find out in a flash.

Check your credit score in our app, free

Just so you know… 

The credit score is from TransUnion. To see it in the app, you’ll need to opt in there and be an 18+ customer, with a UK address. To get our app, you must be age 11 or over, have a UK mobile number (or international mobile number in some countries) and use a compatible iOS and Android device.

1. Sign in to the app and choose your credit card

2. Tap ‘Manage my card’

3. Tap ‘Report lost, stolen or damaged’. 

If we know it's you aborad, we're much less likely to think it's suspicious and block your card.

It's easy to tell us you're travelling:

1. Log into the app.
2. Tap on your account, then ‘Manage my card’.
3. Tap ‘Going abroad’ then ‘Add trip’ (if you're using an Apple device) or ‘Register card’ (if you're on Android).
4. Follow the easy instructions.

Just so you know....

• You can create one travel plan at a time.
• Each travel plan can include up to seven countries and last for 90 days. 

Most people pay by Direct Debit because it's easy:

• You won’t forget to pay.
• You won’t lose the benefit of a 0% introductory fee, or promotional offer.

After you set up a Direct Debit, we’ll automatically take your payment each month. We usually do this 25 calendar days after you get your statement, or soon after.

With a Direct Debit, you could choose to pay:

• The full balance each month.
• The minimum amount each month.
• A fixed amount each month.

Don't want to set up a Direct Debit? Here are 3 other ways to pay:

• The NatWest app.
• Online Banking.
• Another UK bank account via Open Banking (Payit™). 

We charge you £24 each year to have a Reward credit card.

The good news? If you’ve got one of our Reward current accounts, we’ll refund this fee.

Check out our Reward current account

Just so you know…

If you don’t have a Reward current account, we’ll charge you the annual (yearly) fee when you start using your Reward credit card. For example, when you first buy something or transfer a balance. Then, every year, we’ll charge you on the same date.

Late or missed payments

It’s important to make your payments on time otherwise you could be charged more in interest and it could impact your credit file.

Avoid late payments by setting up a Direct Debit

One simple way of avoiding missing or being late with payments is setting up a Direct Debit. This would mean the payment would be taken automatically on a monthly basis. You can set the Direct Debit to pay the minimum amount, the full balance or a set amount.

Going over your credit limit

It’s important to stay within your credit limit otherwise you could be charged more in interest and it could impact your credit file.

To help you stay within your limit, we will send you a text when you are using 95% of the credit limit. Please ensure your mobile number is up to date so you receive these alerts.

Another simple way to help manage your credit card is by having our Mobile app which means you can log on anywhere, anytime and see what your balance is.

Things to remember

If you transfer a balance, we'll charge you interest on this. How to avoid this: not sure this card is for you? See all our credit cards.

Want full details of charges and fees? Please see the Summary Box.