NatWest Credit Card review 2023

Keep your interest rates low and avoid fees when travelling with the NatWest credit card.

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 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).


Representative APR


Balance transfer fee


Foreign transaction charge


Account fee


Annual/monthly fees£0
Balance transfers12.9%
Balance transfer fee0%
Purchases interest-free periodUp to 56 days
Money transfers26.9%
Cash advances26.9%
Minimum credit limit£250
Maximum credit limitSubject to status
Additional cards available3
Customer rating
Satisfaction survey
94% of NatWest customers in our 2023 customer satisfaction survey would recommend the brand to a friend.
Unlikely to approve you for a credit card if you’ve got a history of bad debt.

Review by

Chris Lilly is a publisher at He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. 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. However, it’ll start accruing interest straightaway, 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.

Pros and cons


  • No foreign transaction fees for purchases abroad
  • Low interest rate on purchases
  • No annual fee


  • 3% fee applies to cash withdrawals
  • Interest will be charged on cash withdrawals from the date of the transaction, even if you pay off your balance in full
  • Interest will apply to purchases if you don’t clear your balance each month

Approval for any credit card depends on your status. The representative APRs shown represent 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

You can make manual repayments through NatWest's app by logging in to your online banking or over the phone (0345 788 8444). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) 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 settled on the NatWest Credit Card, you can head over to NatWest's secure online application to apply. Don't forget, you'll need to be over 18 and a UK resident to apply, with an income of at least 10000.

Frequently asked questions

What credit limit will I get with the NatWest Credit Card?

If NatWest is able to offer you this deal, the offer will specify a personalised credit limit based on NatWest's assessment of your situation. The minimum limit offered on this card is £250 and NatWest does not specify a maximum. Once you've had the card for a while and shown NatWest that you're reliable, you may wish to apply for a credit limit increase.

Can I withdraw cash using the NatWest Credit Card?

Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) often incur steep fees and/or higher rates of interest.

The cash advance fee on the NatWest Credit Card is 3% (min. £3). For example, if you withdraw £50, you'll incur a fee of £3.00. Withdraw £250 and you'll incur a fee of £7.50.

The interest rate on this part of your balance will be 26.9%, which is 109% more than the standard purchase rate (chargeable from the day of the transaction – the card's usual "up to 56 days interest-free" grace period won't apply).

How long does it take to receive the card?

You’ll know whether 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, this card is now available to new customers.

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 the 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).

Finder credit card ratings

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★★★★★ — Poor

Our experts score low rate credit cards to determine their value against similar products on the market. We look at a number of important factors, like exactly how low the low rate is, any perks/benefits, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

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