About Natwest Gold credit card...
- Market leading 0% balance transfers
- 0% on purchases too
- Purchase and fraud securities
The Natwest gold credit card brings customers a range of superb benefits and features and some great additional gold cardholder services too - so much infact, it's hard to fit it all into the overview!
There are many attractions to the Natwest gold credit card, including the great introductory offer for new customers and a range of some of the best gold cardholder services around.
Great 0% introductory offers
The introductory offer for new Natwest gold credit card customers offers an amazing, marketing-leading 0% interest deal on balance transfers for over a whole year - 13 months to be exact. There is a standard transfer fee of 2.9%.
For anyone who doesn't have a balance to transfer, you can also enjoy a 0% purchase deal for the first 6 months.
Travel services
Travellers can get free services with the Natwest gold credit card, with their free travel accident insurance policies and access to a travel helpline, should you ever come unstuck abroad.
Gold cardholder services
Natwest gold cardholders will be able to make use of some excellent free cardholder services, making a credit card what it should be - a tiny piece of plastic that works really hard to keep you, your money and your purchases as safe as houses.
Purchase securities
Gold cardholder services include free purchase protection insurance that covers your purchases against accidental damage, loss or theft. You'll also be able to make good use of the extended warranties service that offers a free second years warranty on up to 4 household appliances.
Online shopping securities
The Natwest gold credit card keeps your money safe with it's Internet fraud guarantee, Natwest secure - for online purchases, and online account management.
Apply for Natwest Gold credit card 
| Interest Rates and Fees |
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|
Notes.. |
| Typical APR |
15.9% APR (variable) |
The typical APR is the rate most people are offered.
|
| Introductory Purchases |
0% for 6 months |
Payments will be applied towards introductory rates first. |
| Balance Transfers |
0% for 13 months |
Must be made within the first 3 months your account is open.
You can transfer up to 95% of your allocated credit limit.
Payments are applied towards introductory rates first.
You cannot transfer balances from other Royal Bank of Scotland group cards. |
| Balance Transfer Fee |
2.9%
(£5 minimum) |
Introductory rate balance transfers carry a handling fee. |
| Cash Withdrawal Rate |
27.948% p.a. (variable) |
This is the rate you are charged on balances resulting from using a cash machine, getting cash back at the supermarket or buying foreign money. |
| Cash Withdrawal Fee |
3%
(£3 minimum) |
When you use your credit card to get cash you will be charged a 'handling fee' for doing so. |
| Annual Fee |
£0 |
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|
| Foreign Transaction Fee |
2.75% |
This is fee you will be charged for credit card transactions made abroad.
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| Rewards |
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|
Notes.. |
| Wine Club Offers |
Enjoy special offers and the occasional free gift from the Natwest Wine Club. |
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| Cardholder Services & Extras |
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|
Notes.. |
| Online Account Management |
Yes |
You can manage your account online if you have a Natwest current account. |
| Purchase Protection Insurance |
Up to £3,500 per item, up to £15,000 per year |
Purchases bought with the Natwest gold credit card will be protected against accidental damage, loss or theft in the uk, channel islands and isle of man for 100 days from purchase date. up to £3,500 per item and up to £15,000 in claims per year. |
| Extended Warranties |
Gain 1 year's free extended warranty cover on household appliances bought with the Natwest gold credit card |
Get a free second year's warranty added to the manufacturer's one year warranty on up to 4 household appliances. Buy them with the Natwest gold credit card and register the item within 60 days to be covered against mechanical or electrical breakdown or accidental damage causing a breakdown. |
| Internet Fraud Guarantee |
Yes |
If your card has been used on the internet without your knowledge or consent, Natwest guarantee not to hold you liable for the fraudulent transaction. |
| Travel Accident Insurance |
Up to £100,000 |
Travel accident insurance covers you and your family against death or serious injury when you buy your travel tickets with the Natwest gold credit card. |
| Travel Helpline |
Emergency medical and legal help and advice whilst travelling abroad |
Get advice and help with medical and legal emergencies whilst abroad. Up to £500 for emergency medical treatment overseas, Natwest may also be able to arrange a local legal consultation and may be able to pay for the first hour. Emergency 3 month loan of up to £250 available. |
| Other Extras |
Natwest secure |
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| Optional Extras |
Natwest Card Protection, Payment Protection |
These are extras that you can choose, but you will have to pay for them. |
| Payments & Payment Details |
| |
|
Notes.. |
| Credit Limit |
£300 minimum, £20000 maximum |
Credit limit may vary from person to person and is subject to status. |
| Interest Free Period |
Up to 56 days |
For purchases if you have paid your previous and latest balance in full and on time. there is no interest free period on cash withdrawals, money transfers, or balance transfers not in the introductory period. |
| Minimum Monthly Payment |
2.25%
(£5 minimum) |
The minimum monthly payment is the smallest amount you must pay each month (unless your credit card balance is zero). |
| Allocation of Payments |
Interest, fees, introductory rates, purchases, balance transfers, cash withdrawals, money transfers, cheques |
When you make a payment to this card they will be applied to charges / balances in this order. |
| Default Charges |
£12 |
This is how much you will be charged for late payments (£12), returned payments (£10), if you go over your credit limit (£12). |
| Copy of Statement Fee |
£3 |
This is the fee you will be charged for duplicate statements. |
| Card Details |
| |
|
Notes.. |
| Online Application |
Yes - Instant Decision |
In most cases you'll receive an instant decision when you apply online. |
| Card Type |
Gold |
-
|
| Payment Company |
MasterCard |
This is the company who provides the payment technology and infrastructure to allow you to use this credit card. retailers and ATM machines displaying the 'MasterCard' logo will accept this card. |
| Card Issuer |
Natwest |
This is the bank behind your credit card. |
| Card Advertiser |
Natwest |
This is the company who advertises and promotes this credit card. |
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Natwest Gold Credit Card
| Typical APR |
 15.9% APR |
 |
| Intro Purchases |
| 0% for 6 months |
|
| Balance Transfers |
 0% for 13 months
2.9% transfer fee - £5 min |
|
| Rewards |
| Natwest wine club |
|
| Interest Free Period |
| Up to 56 days |
|
| Annual Fee |
| £0 |
|
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| You should only apply if you are: |
| • Aged 21 or over |
| • UK resident |
| • Earn at least £20,000 a year |
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More about Natwest Gold credit card...
The Natwest gold card offers 0% balance transfers for 13 months, 0% on purchases for 6 months and no annual fee. This gold credit card also offers additional purchase and travel features.
Gold Extra Benefits
As a gold card the Natwest gold card offers free additional benefits including extended warranties, purchase protection, emergency medical and legal help abroad, travel accident insurance and an internet fraud guarantee.
Extended Warranties
Household appliances bought with the Natwest gold card will receive a free second year warranty on top of the manufacturers standard one year warranty.
Purchase Protection
With purchase protection any purchases bought with the Natwest gold card will be covered against accidental damage, loss or theft for 100 days.
Travel Helpline
The Natwest travel helpline enables you to get emergency medical and legal help when abroad and can even help pay for emergency medical or legal consultations when abroad.
0% Balance Transfers
The Natwest gold card offers 0% balance transfers for 13 months. You must make the balance transfer within the first 6 months your account is open to benefit from this introductory offer. Balance transfers carry a handling fee of 2.9% with a £5 minimum charge.
Introductory Rates
The Natwest gold card also offers a 0% introductory rate on purchases for 6 months. This means that as long as you pay the minimum monthly payment you won't be charged any interest on purchases bought with the Natwest gold card for the first 6 months your account is open.
After this 0% purchase period, you'll still be able to benefit from 56 days interest-free on purchases if you repay your balance in full each month, or a competitive 12.9% APR if you don't.
Travel Extras
As a Natwest gold card holder you will benefit from some free travel extras, including up to £100,000 travel accident insurance for you and your family when you buy your travel tickets with the card and the travel helpline which offers emergency medical and legal help abroad.
Security Benefits
The Natwest gold card offers a range of security features to help prevent fraudulent use of your card. Security features include chip and pin, internet fraud guarantee and Natwest secure.
Internet Fraud Guarantee
Internet fraud guarantee states that if your Natwest gold card is used online without your knowledge or consent Natwest will not hold you liable for the transaction.
Natwest Secure
Natwest secure allows you to choose a password to use when you are shopping online with participating websites for added security.
Apply for Natwest Gold credit card
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National Westminster Bank Plc
135 Bishopsgate
London
EC2M 3UR
www.natwest.com
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