How to Apply for the NatWest Credit Card

Do you want to have a credit card that can flex your spending power, both for local and international use? Are you in need of a card that offers a great low APR, especially when traveling abroad?

By ordering the NatWest Credit Card, you can enjoy this privilege and many others.

Keep reading to find out how to apply for the NatWest Credit Card and more information about it.

How to Apply for The Natwest Credit Card

Benefits and Features of a NatWest Credit Card

The NatWest Credit Card targets average earners who frequently travel abroad and those who want to improve their financial standing.


This Mastercard-powered card does not charge you for your foreign transactions. This feature enables you to use this card abroad without worrying about additional costs. However, you still need to pay ATM fees and cash transactions charges while you’re overseas.

This card does not charge you with balance transfer fees when you want to reduce your monthly credit card payments or to clear your debt quicker. This feature will allow you to manage your finances better as you can cut down your debts further.

The Natwest Credit Card is also packed with state-of-the-art features, including advanced security features. It is equipped with EMV chip and PIN encryption to prevent fraud. You can also make contactless payments in any outlets in the UK and abroad.

Eligibility and How to Apply for a NatWest Credit Card

NatWest allows any UK resident aged 18 years and above to apply for this card. You also need to show proof that you are earning at least £10,000 a year.

You can apply for The NatWest Credit Card in three ways — by visiting the NatWest website, via its mobile app, over the phone, or by visiting any branch in person. If you choose to order online, you should provide NatWest with various information, including your address for the last three years, income, employment details, and bank account details. They will do a full credit search.

The application and response time only takes around 15 minutes, and once your application is approved, the bank will give a credit limit of around £1,200 (minimum of £300). This amount can go higher or lower depending on many factors, such as your credit score, credit history, and financial condition.

NatWest Credit Card Fees & Charges

  • Annual Fee – £0
  • Purchase Interest Rate – Representative 9.9% APR (variable)
  • Balance Transfer Rate – Simple 6.7%-14% or Effective 6.9%-14.9%
  • Cash Advance Fee – 3% of the amount of cash advance, £3 per copy and £10 per returned payment
  • Foreign Usage Fee – £0 and 3% foreign cash handling fee
  • Late Payment Fee – £12


Overall, the NatWest Credit Card works best for people who are frequent travelers and want a card with low fees and interest rate. It is also ideal for individuals who wish to settle their credit card debts faster, as NatWest does not charge a balance transfer fee.

However, unlike other cards, the NatWest Credit Card does not provide perks and discounts in select types of purchases through a rewards and cash back program. This could make the card less attractive to people who want to earn points from their purchases.

Feel free to visit the Natwest website today to start your application and begin enjoying the benefits of this card!