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Our credit card that's good for low interest rates and travelling abroad

The NatWest Credit Card

Want low rates and to save money abroad?

  • Low interest rates – which could save you money.
  • No foreign transaction fees – on purchases abroad. (You'll still pay fees if you take money out of cash machines abroad or get a money advance. You may also pay local fees.)
  • No annual fee – you won't pay a fee each year to have this card. 
  • No balance transfer fees - and a low interest rate of just 12.9% p.a. (variable) when you transfer a balance from another card.

It could be cheaper to transfer a balance (move debt) to one of our other cards. You can transfer a balance from most credit cards or store cards. You can’t transfer from NatWest Group credit cards.  You must transfer at least £100. The most you can transfer is up to 95% of your credit limit.

You must be a UK resident, aged 18+ and earn £10k+ each year.

Representative Example

Representative APR (variable):

12.9% 

Assumed credit limit:

£1,200

Purchase rate:

 12.9% p.a. (variable)

Annual fee:

£0

Your actual credit limit and APR may vary depending on our credit assessment of you. You may receive higher than our standard purchase rate of 12.9% p.a. (variable) up to 18.9% p.a. (variable) upon application. For info on how we charge interest on fees and charges, read our terms and conditions, or see our summary box.

Want low rates and to save money abroad?

  • Low interest rates – which could save you money.
  • No foreign transaction fees – on purchases abroad. (You'll still pay fees if you take money out of cash machines abroad or get a money advance. You may also pay local fees.)
  • No annual fee – you won't pay a fee each year to have this card. 
  • No balance transfer fees - and a low interest rate of just 12.9% p.a. (variable) when you transfer a balance from another card.

It could be cheaper to transfer a balance (move debt) to one of our other cards. You can transfer a balance from most credit cards or store cards. You can’t transfer from NatWest Group credit cards.  You must transfer at least £100. The most you can transfer is up to 95% of your credit limit.

You must be a UK resident, aged 18+ and earn £10k+ each year.

Representative Example

Representative APR (variable):

12.9% 

Assumed credit limit:

£1,200

Purchase rate:

 12.9% p.a. (variable)

Annual fee:

£0

Your actual credit limit and APR may vary depending on our credit assessment of you. You may receive higher than our standard purchase rate of 12.9% p.a. (variable) up to 18.9% p.a. (variable) upon application. For info on how we charge interest on fees and charges, read our terms and conditions, or see our summary box.

Get a free credit score, and more

Get a free credit score in our app

Plus tips to improve your credit score 

Pay with Apple Pay or Google Pay™

It's easy, safe and quick 

Use our quick and simple app

See your PIN, replace a card, and more

Manage your card in the app

Plus, get spending alerts 

Get a free credit score within the app
Make overpayments
Check your credit score via the mobile app
Change your payment date

Let's start by checking your eligibility...

Please take your time to read this page and decide if this card is right for you. Unsure? Try our borrowing options tool.

We'll start by checking your eligibility – this won't hurt your credit score 

  • We'll check your eligibility for all our credit cards.
  • We'll tell you the cards you could get, your credit limit and the cost.
  • It’s then up to you if you want to go ahead and apply.

To apply for a credit card, you must:

  • Be 18+, live in the UK and earn 10k+ each year. 
  • Not have been bankrupt in the last 6 years. (Got a joint account? They must not have been bankrupt in the last 6 years either.)

All good? Here's a bit more info:

Let's get started

Do you bank with us already?

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 Online Banking?

Do you have Online Banking?
Got Online Banking? We’ll pre-fill some of your info – so it’s faster for you to apply.

Log in to Online Banking to start your application

Log in to Online Banking

All you'll need is your customer number, PIN and password.

Choose 'Credit Cards'

Under 'Our Products' choose 'Credit Cards'. You'll then return to our Credit Card page.

Check your eligibility and apply

The good news is, you can now check if you're eligible and apply. ​

Let's sign you up for Online Banking

To apply for your credit card, you’ll need to sign up for Online Banking. The good news? It usually only takes 5 minutes. All you’ll need is your NatWest sort code and account number. Plus, your NatWest debit card, if you’ve got one. ​

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 Mitek 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.

Do you bank with us already?

Do you bank with us already?
Let us know if you already have a current account, savings account, credit card or mortgage with NatWest.

Is our app on the device you’re using right now?

Is our app on the device you’re using right now?
The NatWest app is the easiest way for you to apply for a credit card. Do you have it on this device?

Great, let's get started

Just a heads up - you'll be asked to log into the NatWest mobile app to start your credit card application.

Do you have Online Banking?

Do you have Online Banking?
Got Online Banking? We’ll pre-fill some of your info – so it’s faster for you to apply.

Log in to Online Banking to start your application

Log in to Online Banking

All you'll need is your customer number, PIN and password.

Choose 'Credit Cards'

Under 'Our Products' choose 'Credit Cards'. You'll then return to our Credit Card page.

Check your eligibility and apply

The good news is, you can now check if you're eligible and apply. ​

Let's sign you up for Online Banking

To apply for your credit card, you’ll need to sign up for Online Banking. The good news? It usually only takes 5 minutes. All you’ll need is your NatWest sort code and account number. Plus, your NatWest debit card, if you’ve got one. ​

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 Mitek 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.

Read our credit card FAQs