The NatWest Credit Card review April 2020

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Keep your interest low while avoiding fees whenever you travel.

The imaginatively-named NatWest Credit Card is a handy card to carry both at home and abroad – having low rates, no annual fee and no fees for foreign transactions.

You say: ★★★★★We say: ★★★★★

Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).


Balance transfer fee


Representative APR


Foreign transaction charge


Account fee


Annual/monthly fees£0
Balance transfers6.9%
Balance transfer fee0%
Purchases interest-free periodUp to 56 days
Money transfers16.9%
Cash advances16.9%
Min credit limit£300
Max credit limitNot specified
Additional cards available1

Expert review

Chris Lilly

Review by

Chris Lilly is a publisher at He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

A very respectable option for people who don’t really want to have to think about their credit card, this deal is all about versatility and value over the long run.

You won’t find any headline-grabbing introductory 0% deals here – which is great if you don’t want the hassle of having to remember to switch cards after an introductory offer expires. Instead, this card comes with ongoing low (albeit variable) rates on purchases and balance transfers.

The downside of this is that if you’re transferring a balance or anticipating a large upcoming expenditure (or both), there are undoubtedly cheaper deals out there. Similarly, if you’re all about the rewards and perks, there are more specialised cards available on the market.

If you already have outstanding debt on a card elsewhere, there’s no fee to bring it across to NatWest. It’ll start accruing interest straightaway, however, so if you don’t anticipate clearing it sharpish, consider a 0% balance transfer deal instead.

Perhaps the biggest selling point of this card is the fact that there are no fees for using it abroad – currencies are converted at the standard Mastercard rates – making it a hard-to-beat longer-term bet for use at home and on holiday.

How does this card compare with other similar cards on the market?

Table: sorted by representative APR, promoted deals first
Updated April 9th, 2020
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
The Co-operative Bank 3 Year Fixed Rate Visa
6.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 6.9% (variable) p.a., your representative rate is 6.9% APR (variable).
TSB Advance Mastercard
0% for 3 months reverting to 7.95%
0% for 3 months reverting to 7.95%
7.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 7.95% (variable) p.a., your representative rate is 7.9% APR (variable).
MBNA Long Term Low Interest Credit Card
4.9% for 48 months reverting to 8.9%
4.9% for 48 months reverting to 8.9%
8.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 8.9% (variable) p.a., your representative rate is 8.9% APR (variable).
Bank of Scotland Platinum Low Rate Mastercard
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.95% (variable) p.a., your representative rate is 9.9% APR (variable).
Lloyds Bank Platinum Low Rate Mastercard
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.94% (variable) p.a., your representative rate is 9.9% APR (variable).
Halifax Flexicard Mastercard
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.95% (variable) p.a., your representative rate is 9.9% APR (variable).
Ulster Bank Credit Card Mastercard
9.9% (variable)
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).

Compare up to 4 providers

Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0345 788 8444), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the NatWest Credit Card

If you’ve compared cards and want to apply, completing the secure online application form takes about 10 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.

Frequently asked questions

How long does it take to receive the card?
You’ll know whether or not your application has been approved within 5 minutes of submission. As long as it’s approved, NatWest states your shiny new card will be with you in 5-7 working days.
Do I need to be an existing NatWest customer?
No, and if you have card debt elsewhere, you may decide to apply for a balance transfer.
Will I pay fees on cash withdrawals overseas?
Yes. While NatWest doesn’t charge a fee for non-sterling transactions using this card, withdrawing cash abroad will incur a fee, (and the ATM owner may add its own fee on top too). Find out more about using a credit card overseas.
How do I change my credit card limit?
You can do this through internet or mobile banking by selecting “Cards” from the main menu. In the “Manage your personal credit card” section select “Manage your credit card limit”. Add your annual income, requested credit limit and the last 5 digits of your card. Finally, select “submit”. Alternatively, you can call a customer advisor (0345 788 8444).

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Our team evaluates credit cards to determine their value against similar products on the market.

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