About Natwest Platinum credit card...
- Market-leading 0% balance transfers
- 0% on purchases too
- Purchase and fraud securities
The Natwest platinum credit card is the highest prestige edition from the Natwest credit card range. Offering a huge number of platinum cardholder features and benefits, plus some of the market's best introductory offers for new customers.
0% balance transfers and purchases
The Natwest platinum credit card is perfect for anyone wanting to transfer a balance. With 0% interest rates on balance transfers for a staggering 13 months - you'll have plenty of time to repay your card debts and get back on top of your finances. There is a transfer fee of 2.9% - however this is still one the best balance transfer offers on the market.
Anyone who doesn't have a balance to transfer can still enjoy 0% rates on purchases for the first 6 months. Once this period has finished, the Natwest Platinum credit card still receives awards for a 56 day interest-free period on purchases if you repay your balance in full each month, or a very competitive 12.9% APR if you roll a balance over.
Travel services
For travellers, or holiday-makers, the Natwest platinum credit card has a few tricks up it's sleeve to please. You'll be looked after with free travel accident insurance policies and a travel helpline, incase you ever become unstuck abroad.
Platinum cardholder services
On the prestige side of things, the Natwest platinum credit card offers customers some really great services to help keep your money and your purchases safe.
Free purchase protection insurance will cover your purchases against accidental damage, theft and loss when you first buy them, and extended warranties are available on up to 4 household appliances.
Your money will be well looked after with the Natwest platinum credit card's Internet fraud guarantee, Natwest secure - for online purchases, and an online account management service.
Apply for Natwest Platinum 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 |
-
|
| Foreign Transaction Fee |
2.75% |
This is fee you will be charged for credit card transactions made abroad.
|
| Rewards |
| |
|
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 platinum 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 platinum 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 platinum 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 £250,000 |
Travel accident insurance covers you and your family against death or serious injury when you buy your travel tickets with the Natwest platinum 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 |
- |
| 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 |
Platinum |
-
|
| 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 Platinum 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 25 or over |
| • UK resident |
| • Earn at least £25,000 a year |
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More about Natwest Platinum credit card...
The Natwest platinum card offers 0% balance transfers for 13 months, 0% on purchases for 6 months, no annual fee and a range of purchase security features and travel extras.
Platinum Extra Benefits
As a platinum card the Natwest platinum card offers a range of extra benefits for platinum card holders. Benefits include free extended warranty on household appliances, purchase protection, travel helpline and travel accident insurance.
Extended Warranties
When you buy household appliances with your Natwest platinum card and register them within 60 days you will receive a free second year warranty on top of the manufacturers standard warranty.
Purchase Protection
Any product you buy with the Natwest platinum card is covered with purchase protection for 100 days. The product will be covered against accidentally damage, loss of theft in the UK or Channel Islands.
Travel Helpline
All Natwest platinum card holders are entitled to use the free travel helpline for emergency medical or legal help abroad. The travel helpline can give advice, help track down lost belongings, send and receive messages and also help you to find and pay for doctor and legal consultations.
Security Benefits
The Natwest platinum card offers a range of security benefits including online account access, chip and pin, internet fraud guarantee and Natwest secure.
Internet Fraud Guarantee
Internet fraud guarantee covers you for liability on transactions made with your Natwest platinum card online without your knowledge or consent.
Natwest Secure
Natwest secure enables you to choose a password to use when shopping online with your card at participating web sites.
Travel Extras
The Natwest platinum card offers up to £250,000 travel accident insurance when you buy your travel tickets with your Natwest platinum card. Travel accident insurance covers you and your family against death or serious injury.
0% Balance Transfers
The Natwest platinum credit card offers 0% introductory rates on balance transfers for the first 13 months your account is open.
With the Natwest Platinum credit card you can transfer a balance from an existing credit card or store card and benefit from the breathing space of no interest charges on this balance for well over a year. Balance transfers are subject to a balance transfer handling fee of 2.9% with a £5 minimum charge.
Apply for Natwest Platinum credit card
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National Westminster Bank Plc
135 Bishopsgate
London
EC2M 3UR
www.natwest.com
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