The NatWest credit card

Enjoy low interest rates and save abroad

  • Low interest rates  for everyday spending.
  • 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 – we won't charge you a fee each year to have this card. 
  • No balance transfer fees - we offer a low rate of 12.9% p.a. (variable) on balance transfers and won't charge you a balance transfer fee.

It could be cheaper to transfer a balance (move debt) to one of our other cards.

You must transfer at least £100. The most you can transfer is up to 95% of your  credit limit. You can't transfer from NatWest Group credit cards.

Representative Example - Representative 12.9% APR (variable). Purchase rate: 12.9% p.a. (variable). Assumed credit limit: £1,200. No annual fee. 

Your credit limit and APR may be different. It depends on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.

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

The NatWest credit card

Enjoy low interest rates and save abroad

  • Low interest rates  for everyday spending.
  • 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 – we won't charge you a fee each year to have this card. 
  • No balance transfer fees - we offer a low rate of 12.9% p.a. (variable) on balance transfers and won't charge you a balance transfer fee.

It could be cheaper to transfer a balance (move debt) to one of our other cards.

You must transfer at least £100. The most you can transfer is up to 95% of your  credit limit. You can't transfer from NatWest Group credit cards.

Representative Example - Representative 12.9% APR (variable). Purchase rate: 12.9% p.a. (variable). Assumed credit limit: £1,200. No annual fee. 

Your credit limit and APR may be different. It depends on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.

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

Before you start, please take a look at our important legal info:

Let's start by checking your eligiblity...

We'll check your eligibility at the start – this won't harm your credit score 

We'll also give you an idea of how much you could borrow - and the costs.

It's then completely up to you if you want to apply. If you do, a full credit check will be done.

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

  • 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