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The NatWest Credit Card

A 5 star rated card to help with your everyday spending

Representative 12.9% APR (variable)

No foreign transaction fees

You won't pay foreign transaction fees when you use this credit card abroad 

Use worldwide at Mastercard® locations, in-store and online

Low interest rates

You could pay a low interest rate of 12.9% p.a. (variable) on purchases and 12.9% p.a. (variable) on balance transfers

 

And more to unpack

No annual fee

Manage your card wherever, whenever with the NatWest mobile app (Criteria applies)

NatWest was rated 5 Stars for our 'NatWest Credit Card Mastercard' in 2022 by Moneyfacts

Check your eligibility

We'll tell you if you'll be approved for this card and your indicative credit limit at the start of your application, with no impact on your credit score.

Representative example

Purchase rate

12.9%
p.a (variable)

Representative APR

12.9%
(variable)

Assumed credit limit

£1200

Annual fee

£0

Managing your credit card

Other charges or fees

Some other important details you should know about.

Paying your credit card

We've made it as easy as possible for you to pay your card bill each month.

Card Features

Spread the cost of your purchase

Need to make a big purchase and don’t want the money to come out of your current account? A credit card Instalment Plan could be a good way to spread the cost.

Ways to pay

There are plenty convenient ways to pay using The NatWest Credit Card.

Mobile App Features

Lock and unlock your credit card

Take control of your spending

Check your credit score

Replace your credit card

Set your travel plans

What you should know

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Get ready to apply

We'll check your eligibility at the start

We'll ask a couple of questions about you to get started so we can let you know if you'll be approved and the indicative credit limit and interest rate you'll receive.

Don't worry - this doesn't have an impact on your credit score until you decide you want to go ahead with your application.

Now please take a look at the important legal info

By selecting 'continue' below, you are confirming that you have been provided with, and are happy with what's in these documents. Please take some time to review, print and/or save the important information.

All okay? Let's get started

Do you bank with us already?
Let us know if you already have a current account, savings account, credit card or mortgage with NatWest
Do you have NatWest Online Banking?
You'll need to have Online Banking to apply online with us. If you don't, we'll help you sign up easily in just 5 minutes. You could save time by applying through our mobile app if you're already set up.

You're all set

Just a heads up - here's what you'll need to apply:

  • Your Online Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Let's get you set up

You'll need to sign up for Online Banking with us to apply for The NatWest Credit Card online. The good news is that it normally takes only 5 minutes. If you need a hand, follow our step-by-step guide below.

What you'll need

Your sort code and account number

Your NatWest debit card, if you have one

When you've got your new online banking details, select 'Next' below to continue applying for this credit card.

You're all set

Just a heads up - here's what you'll need to apply:

  • Your Online Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Let's get you sorted

You’ll need your customer number, online banking PIN and password to apply online. Pick from one of the options below and we'll help you on your way.

When you've got your new online banking details, select 'Next' below to continue applying for this credit card.

You're all set

Just a heads up - here's what you'll need to apply:

  • Your Online Banking login details
  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

You're all set

Just a heads up, if you choose to continue with your application after we give you an indicative limit, our partner HooYu will then check your identity by matching you to your photo ID. If you don’t have your ID to hand you can finish this step later.

To find out more about HooYu and Photo ID, take a look at our FAQs below.

NatWest Credit Card - FAQs

Something else we can help you with?