Everything You Need to Know About NatWest Credit Cards

If you are searching for how to apply for a NatWest credit card then you are in the right place.

With a credit card, you can buy things the same way you when you use a debit card. The only difference is that you can use the credit card to borrow and pay for what you buy later.

It is not necessary to have money in your bank account to make payments for the goods and services you buy.

Why NatWest Credit Cards?

NatWest credit card offers a variety of credit cards designed to meet your needs. It doesn’t matter the category into which you fall, you can find a credit card that’s good enough for you.

You should consider NatWest credit cards because you don’t need to be a customer to qualify for a credit card and this applies to credit cards, except the student credit card.

You can use the NatWest credit card to make payments anywhere they accept a Mastercard.

The reasons to consider NatWest credit cards are given below:

  • Extra Security and Protection – Besides the credit card services NatWest offers a secure way for you to keep your money. With the security measures they have put in place, there is no way for you to fall prey to a fraudster.
  • Global Acceptance – As the NatWest credit cards are part of the Mastercard network, you can use your credit card to make payments anywhere Mastercard is accepted.
  • Mobile App – You can use the NatWest mobile app, to monitor how you are spending your finances on the go. This is the best app if you want to closely keep an eye on your budget and spending.

How to Apply for NatWest Credit Cards?

You do not need to have been a previous customer to apply for a credit card. Follow the below steps to apply for a NatWest credit card:

  • Online application by visiting the personal.natwest.com.
  • Application through the NatWest mobile app.
  • You can call on the phone numbers at +44-121-929-0223 or 0800-200-400 depending on whether you are in the UK or overseas.
  • You can visit the nearest NatWest branch and fill in a credit card application form.

Four Types of NatWest Credit Cards

1. The NatWest Credit Card

Using a NatWest credit card, you can enjoy a low rate of interest on both balance transfers and purchases. If you are thinking of saving money abroad, this card is for you. To apply for this card, you must be 18 years and older, a resident of the UK and with an income of at least £,10,000 per year.

Features of the NatWest credit card:

  • Low rates on balance transfer and purchases.
  • No fees on foreign transactions.
  • No fees on balance transfer.

2. The NatWest Reward Credit Card

If you have craved rewards on every spending you make with your credit card, this card is for you. The APR stands at 23.7 percent. To apply for this card, you must be 18 years and older, a resident of the Mainland and with an income of at least £,10,000 per year.

Features of the NatWest Reward credit card:

  • If you spend in a supermarket on any amount, you will get 1 percent in cashback rewards and 0.5 percent on what you spend at the petrol station.
  • Selected MyRewards retailers will give you between 1 and 15 percent cashback.
  • Making purchases anywhere else will give you 0.5 percent in rewards.

3. The NatWest Reward Black Credit Card

If you have a NatWest Reward Black Credit card, this is an ideal card for you. The representative APR on this card stands at 37.1 percent. To apply for this card, you must be 18 years and older, a resident of the UK and with an income of at least £,15,000 per year.

Features of the NatWest Reward Black credit card:

  • If you spend in a supermarket on any amount, you will get 1 percent in cashback rewards and 0.5 percent on what you spend at the petrol station and any other place.
  • Zero foreign transaction fees.
  • Selected MyRewards retailers will give you between 1 and 15 percent cashback.
  • Anyone with a Reward Black current account will have their annual fees rewarded.

4. The NatWest Student Credit Card

If you need help with student finances, the NatWest Student credit card is for you. The representative APR on this card stands at 18.9 percent with no annual fee. To apply for this card, you must be 18 years and older and a resident of the UK.

Features of the NatWest Student credit card:

  • Opportunity to build a credit profile.
  • A credit limit of up to £500.
  • It gives an important safety nest to a student.

How Do I Activate My NatWest Online Banking?

You can activate your NatWest credit card by visiting www.onlinebanking.natwest.com/ website. After that, you will be required to enter the activation code and customer number and click on “Activate”.

How Do I Increase My NatWest Credit Card Limit?

There are two ways to change your NatWest credit card limit the first is through the mobile app and the second is online banking.

Mobile App

  • First, login into your mobile app.
  • After that, select the relevant credit card.
  • Then, choose the “Manage Credit Limit” option and follow the onscreen instructions.

Online Banking

  • First, login into online banking at www.onlinebanking.natwest.com/.
  • After that, select “Cards” from the main menu.
  • Then, select the option “Manage Your Credit limit” from “Manage Your credit card”.
  • Now, add your annual income, the last 5 digits of your NatWest credit card, and the requested credit limit to the online form and click “Submit”.

Do I Need to Activate My NatWest Credit Card?

If you receive a new NatWest credit card, there is no need to activate it. It is ready for use. Before start using a card for contactless payments, withdraw cash from an ATM or make a chip and PIN purchase.

Every time for a contactless purchase, you will be asked for your PIN. If you have received a new card that is a replacement for an expired one you will only need to activate it if you are getting a replacement PIN.

Leave a Reply

Your email address will not be published.