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.
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) and higher than our balance transfer rate of 12.9% p.a. (variable) up to 18.9% p.a. (variable) upon application. Interest on fees and charges is payable in line with our terms and conditions. See the Summary Box page for more details.
The most common way to pay is by Direct Debit. Once you’ve set it up, the payment will be taken automatically each month from your chosen bank account. You can choose to pay the minimum amount, the minimum payment plus, a fixed amount or your full credit balance every month. You can also make a payment in the mobile app or digital banking. If you want to understand how quickly you could clear your balance, use our repayment calculator.
If you set up a Direct Debit for the minimum, minimum payment plus, fixed or full amount the payment is claimed 25 calendar days from the statement date, or shortly afterwards.
If you’re late paying, we’ll charge you a fee of £12. That’s why setting up a Direct Debit makes sense – you’ll never be late paying again. We get that little mistakes are easy to make, so if you miss your payment due date by just one day, we won't charge you the late payment fee.
If you go over your limit we’ll charge you a fee of £12. If you only go over your limit by £12 or less, we won’t charge you. A good way to avoid going over your limit is to log onto NatWest Online Banking or fire up our mobile app and check you balance before you make your next card purchase. For full details of fees, please see the Summary Box in the Ready to apply section below.
If you’re buying something expensive and you don’t want to use money from your bank account, a credit card Instalment Plan could be a good way to spread the cost.
Like most UK credit cards, our range of cards offer 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. That means if you want to make a large purchase, for example a holiday or a new gadget, a credit card could be a good way to help you buy now and spread the cost.
Apple Pay and Google Pay™ allow you to make a contactless payment in shops, because all your card details are securely stored within your device. To make a payment, simply touch your device to the card reader, and you’re ready to go.
Remember, all our credit cards are contactless too. It’s a super quick and hassle-free way to pay for items.
Apple Pay is available on selected Apple devices.
We want to make managing your credit card simple and safe. If you have misplaced your credit card, you can lock and unlock it in the app. You can also use the app to request a PIN reminder or unblock your PIN. This feature applies to Mastercard credit cards only.
Setting a daily or monthly budget could help you manage your spending. You can also use the app to lock certain transaction types. If you accidentally go over budget, we’ll send you a notification as a wee reminder. Managing your card is simple too - you can set up a direct debit, check or pay off your balance, adjust your credit limit and much more.
You can get your credit score and view some of the key details that help to calculate your score all for free in the app, so it's easier to plan ahead. You can find it within your Profile and check it as many times as you like without it affecting your credit score. Credit score is available once opted in through the app, to customers aged 18+ with a UK address, and is provided by TransUnion.
Need a replacement card? No bother. If you have an iPhone, you can order a replacement for a lost or damaged credit card using the app. Select your credit card, tap ‘Manage my card’, then tap ‘Report lost, stolen or damaged’.
If you’re off globe-trotting, avoid those unexpected hitches by registering your travel plans through the app. This way, your card transactions are less likely to be flagged as suspicious or blocked while you’re abroad. You can create one travel plan at a time. Each travel plan can include up to seven countries and last for 90 days.
App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.
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.
Please take some time to read the important information. By clicking 'Start my application' below, you are confirming that you have been provided with, and have acknowledged our important documents.
Applying for a credit card is a quick and easy process. In most cases, your application will be complete in under 30 minutes. We've put together a step-by-step guide on how to apply for a credit card in the UK.
Proof of address documents:
If you're a new customer, we have to confirm your identity to make sure we’re opening the account for the right person. We do this through our trusted online identification and security partner Mitek.
Mitek can quickly and safely verify people from all over the world using digital footprints, ID document authentication and facial biometrics*. It’s not only safer, it also speeds up the application process meaning your account is opened faster.
This way, we can check you are you, while keeping your details completely safe and secure.
*If you'd prefer to progress without sharing biometric data, you'll need to apply for this card by calling our specialist team. This means you may wait a little longer to get your account open. You can call us on 03453 073 704. Relay UK: 18001 03453 073 704. Monday - Friday 8am-8pm, Saturday 9am - 3pm, Sunday closed. Excluding public holidays.