UK Credit Card Business-444

In the event of possible global problems especially in the equrozone

What is the issue size of the Some caripo IPO?
The Some caripo IPO size is of 105,00,000 shares.

What is the price band of Some caripo IPO?
The Face Value of each Equity Share is Rs. 10 each.  The price band and the minimum bid lot will be decided by the Company

This is in H2

in consultation with the book running Lead Manager and advertised at least two working days prior the BID/ISSUE opening date.

How many shares will be sold in the Some caripo IPO? However, it is known that there will be 25% stake dilution.
What are the IPO dates for Some caripo IPO?
The final bidding dates have not came yet. Opening dates will be in September.

Halifax Student Credit card

Putting you in control

As well as the benefits you get with any Halifax credit card, we've added lots of additional features to our Student Credit Card to give you more control of your account and your payments. You will benefit from:

• An adjustable credit limit, allowing you to choose how much is right for you - anything from the maximum of £500 right down to £100 - Let us know what credit limit you want when you activate your card

• Free text alerts to remind you when to pay your bill and the minimum payment required

• Weekly balance updates via text message

• Great discounts with a range of well-known brands

Passionate, Radiant, Brilliant or Winning?

The Halifax Student Credit Card comes in a great choice of colours - Brilliant Black, Passionate Pink, Radiant Red and Winning White. Which one are you? - Choose when you apply

Additional Featutes • Up to 59 days interest free credit on all purchases if you pay off your balance in full each month • No annual fee • Typical 17.9% APR (variable) If you have any questions call Halifax on 08457 28 38 48. Lines are open Mon-Fri 8am-8pm, Sat and Sun 8am-5pm.

Link to previous articles: Halifax Classic Credit Card Halifax One Credit Card Halifax Plus Credit Card Halifax Credit Card American Express Nectar Credit Card Bad Credit History? Apply for Credit Card

Halifax Classic Credit Card

First Credit card or a fresh start?

These days, it is almost become mandatory having a credit card, seems to be a part of everyday life, but it’s not always easy to get that first foot on the ladder. Whether you are looking for your first credit card, or to boost your credit history, the NEW Halifax Classic Card could be the one to start you off in building a better credit score.

Control, convenience and credit

We understand that people’s circumstances are different so we have created a new card that could suit your needs. As a responsible lender, we’ll set your credit limit between £500 and £2000 to help you manage your account. What’s more we’ll send you free text alerts with repayment reminders and weekly balance updates to help you stay in control. From time to time we’ll review your account, and if you have stayed within your credit limit and made your monthly payments on time, we may increase your limit.

With no annual fee and a typical 27.9% APR variable, your Halifax Classic Credit Card has hundreds of uses – including booking a holiday or for emergency purchases and online shopping.

Plus - It comes with all the great Halifax extras:
• Cover against online fraud when purchasing on the Internet

• Accepted wherever you see the MasterCard sign in over 24 million locations worldwide

• Up to 59 days interest free credit on all purchases if you pay off your balance in full each month

• Card replacement if lost

• Extra cards for family members over 18

• Around the clock service • Manage your card online Take a few minutes to apply online (new window) for an instant decision (in most circumstances). If you have any questions call us on 08457 28 38 48. Lines are open Mon-Fri 8am-8pm, Sat and Sun 8am-5pm. Protect your credit cards with our comprehensive cover plans. By applying for a card with one of the UK's largest high street banks, your application should be very straightforward, even if you have been turned down for Credit before.

Link to previous articles: Halifax One Credit Card Halifax Plus Credit Card Halifax Credit Card American Express Nectar Credit Card Bad Credit History? Apply for Credit Card MasterCard v/s or Visa Card

Halifax One Credit Card

If you want a card that gives you a great introductory offer on both balance transfers and purchases then look no further. What's more you could keep on saving even after the introductory period with a fantastically low 9.9% APR (variable).

• 0% for 9 months on balance transfers made in the first 90 days

• 0% for 9 months on purchases.

• A very low typical rate of 9.9% APR (variable)

• A handling fee of 3% applies for each balance transfer
Take a few minutes to apply online (new window) for an instant decision (in most circumstances).

If you have any questions call us on 08457 28 38 48. Lines are open Mon-Fri 8am-8pm, Sat and Sun 8am-5pm.

Protect your credit cards with our comprehensive cover plans.

Other Extras:

• No annual fee

• Up to 59 days interest free credit on all purchases if you pay off your balance in full each month

• Cover against online fraud when purchasing on the Internet

• Accepted wherever you see the MasterCard sign in over 24 million locations worldwide

• Card replacement if lost

• Extra cards for family members over 18 • Around the clock service • Manage your card online • Choice of 4 card colours - Black, Pink, Red and White To benefit from the 0% rate you must stay within your credit limit and make your payments on time. Balances transferred from other Halifax or Bank of Scotland cards are not eligible for the 0% balance transfer offer.

Link to previous articles: Halifax Plus Credit Card Halifax Credit Card American Express Nectar Credit Card Bad Credit History? Apply for Credit Card MasterCard v/s or Visa Card Lloyds TSB Platinum Card

Halifax Plus Credit Card

Apply for the Halifax Plus Credit Card and you could save serious money. We’ll give you a lengthy 0% for the first 13 months on balances transferred within the first 90 days (3% balance transfer fee applies). You’ll not only make great savings on your balance transfers, but you could also save money on your purchases as you’ll pay 0% for the first 6 months.

• 0% for 13 months on balances transfers made in the first 90 days.

• 0% for 6 months on purchases.

• A typical 15.9% APR (variable)

• A small handling fee of 3% applies for each balance transfer.

If you have any questions call us on 08457 28 38 48. Lines are open Mon-Fri 8am-8pm, Sat and Sun 8am-5pm.
Protect your credit cards with our comprehensive cover plans.

Other extras:

• No annual fee

• Up to 59 days interest free credit on all purchases if you pay off your balance in full each month

• Cover against online fraud when purchasing on the Internet

• Accepted wherever you see the MasterCard sign in over 24 million locations worldwide • Card replacement if lost • Extra cards for family members over 18 • Around the clock service • Manage your card online • Choice of 5 card colours - Black, Pink, Red, White and Blue To benefit from the 0% rate you must stay within your credit limit and make your payments on time. Balances transferred from other Halifax or Bank of Scotland cards are not eligible for the 0% balance transfer offer.

Link to previous articles: American Express Nectar Credit Card Bad Credit History? Apply for Credit Card MasterCard v/s or Visa Card Lloyds TSB Platinum Card Cahoot Credit Card Halifax Credit Card

Sainsbury Platinum Credit Card

0% interest for 10 months on purchases

typical 15.9% APR (variable)

Features of Sainsbury Platinum credit card

 5.94% p.a. for life of balances transferred in the first 6 months. Any balances transferred after the first 6 months will be charged at either 15.94% p.a. variable, 18.95% p.a. variable or 20.95% p.a. variable, depending on your personal circumstances

 No annual fee or balance transfer fee

 Optional protection for your credit card repayments if you are unable to work

 Optional protection against loss or theft of your card

 Convenient online servicing

 Emergency medical and legal assistance abroad.

Personal pricing All applications are treated on an individual basis, so the APR and interest rates we offer are determined by the details customers supply, along with an independent verification of credit and repayment history. For the first 10 months you will get 0% on purchases. You will also get 5.94% p.a. on balance transfers made in the first 6 months, until they are paid off. Your personal APR for purchases will be either 15.94% APR (variable), 18.95% APR (variable), or 20.95% APR (variable). Your interest rates for balance transfers will be the same as for purchases. Two thirds of customers are offered our best typical rate of 15.9% APR (variable). We'll let you know your interest rate as soon as we've assessed your application.

Link to previous articles: American Express Nectar Credit Card Bad Credit History? Apply for Credit Card MasterCard v/s or Visa Card Lloyds TSB Platinum Card Cahoot Credit Card Halifax Credit Card

MasterCard v/s or Visa Card

Whenever we apply for a credit card, we are sometimes asked by the credit card bank or credit card organization about which brand of credit card should we opt for? - a MasterCard or a Visa or sometimes even an American Express (AMEX) card.
It is important to understand that Visa & MasterCard are payment systems instead of credit cards by themselves and they rely on banks all around the world to issue credit cards that use their payment system. From this they take a % of the amount charged to retailers to take payments via these cards. In return the retailers get a certain degree of assurance that the goods / services they have sold will be paid for. The shopkeepers or establishments also have to have the credit card payment acceptance, otherwise the customer will not bring any business to them.
American Express are slightly different in that they run their own payment system and issue cards themselves - both charge cards and credit cards.
So the big question that a credit card customer might face is which type of credit card do you choose?

Visa

Visa is probably the largest payment network in the world with a claimed 20 million outlets in 150 countries around the world accepting a Visa credit card. Visa is issued by 20,000 banks and there are over 1 billion cards in circulation

MasterCard

MasterCard is fast becoming the number 1 payment system in the world. with 25,000 banks issuing cards and cards being accepted in 210 countries around the world. There are an estimated 22 million locations around the globe where mastercard is accepted.

Amex

American Express operate in 130 countries around the world and is one of the most famous names in financial services. It is also the worlds largest travel agency,

So which do you choose? We'll the choice between Visa and MasterCard is easy. Don't have any choice. Both visa and MasterCard are widely accepted all around the world and you’re unlikely to find too many outlets that will accept Visa and not MasterCard and vise versa. Some UK banks give you the option of choosing either and some may only offer a Visa or MasterCard - decide on the values of the card itself - interest rates, cashback etc rather than whether its a Visa or MasterCard.

With American Express it’s more difficult choice. Its not a widely accepted as Visa and MasterCard in the UK although the number of outlets are growing. But if you like the products and services offered by Amex then don't feel put off by this. most major shops and restaurants accept the card and if you travel abroad regularly it can be used in most places - especially in the USA.

Link to previous articles: Lloyds TSB Platinum Card Cahoot Credit Card Halifax Credit Card Post Office Credit Card Goldfish Credit Card Buy & Fly Credit Card

Lloyds TSB Platinum Card

Lloyds TSB is one of the biggest banks in the UK market and their platinum credit card is a very good product from one of the more traditionally higher rate large banks.

The Lloyds Platinum credit card offers 0% for 9 months on balance transfers so is an ideal card to get to make use of introductory rates. The standard rate of 15.9% APR (typical) is also very competitive.

Details Lloyds TSB Platinum Card

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	9 Months
Introductory Purchases	n/a
Monthly Rate	n/a
Period	n/a
Standard APR	15.9%
Monthly Rate	1.24%
Cash Advance APR	19.505%
Cash Advance Fee	2.5% (Min £2.50)
Minimum Payment Required	2% (Min £5)
Annual Fee	None
Loyalty Points	none
Travel Accident Insurance	up to £100,000
Free Purchase Protection	180 days up to £2.5k
Foreign Usage Fee	2.75%

Other Lloyds TSB Platinum Card Features and Benefits

• 0% balance transfers
• internet fraud guarantee

• apply online • free purchase protection • free travel accident insurance Lloyds TSB Platinum Card Review Summary The Platinum credit card from Lloyds TSB, as per the UK credit card market conditions, is a competitive product. Though the rates are very competitive, with 0% being offered on balance transfers and purchases - the standard rate is also very competitive.

Link to previous articles: Cahoot Credit Card Halifax Credit Card Post Office Credit Card Goldfish Credit Card Buy & Fly Credit Card Hilton Honours Credit Card

Cahoot Credit Card

Cahoot has attempted to put in some fresh ideas into banking. Cahoot is a part of the Abbey National group. However, they are an Internet only bank with no high street presence. Their innovative approach and low costs mean they can offer exceptionally low rates across all their products.

The Cahoot credit card really has one of the lowest standard rates available in the UK. It doesn't offer any special introductory rates or offers only on balance transfers or purchases, they simply offer just 12% typical APR on purchases and balance transfers whenever you use it. When compared to some of the other credit cards on the market that offer up to 18% APR you could make a huge saving. cashback offers are also made on selected purchases. A choice of card design, online applications & account management and free purchase protection mean this card is a very exciting proposition.

You can also win up to £1000 off your balance in a free prize draw if you apply now.

Details of Cahoot Credit Card

Introductory Balance Transfers	N/A
Monthly Rate	N/A
Period	N/A
Introductory Purchases	N/A
Monthly Rate	N/A
Period	N/A
Standard APR	12%
Monthly Rate	0.9519%
Cash Advance APR	13.7%
Cash Advance Fee	1.5% (Min £2.50)
Minimum Payment Required	3% (Min £10)
Annual Fee	None
Loyalty Points	none
Travel Accident Insurance	No
Free Purchase Protection	90 Days, £50 - £3,500
Foreign Usage Fee	2.75%

Other benefits and features of Cahoot Credit Card

• Virtual online payment system - never use your real card number again
• Choice of card designs
• Free Purchase Protection
• Winner best credit card "standard rate" (moneyfacts)
• Online Applications

Cahoot Credit Card Review Summary The Cahoot credit card is a real fantastic credit card with the lowest of the lows APR in the UK market. If you have a balance to transfer you may be better off with a 0% option, but for a general every day card, Cahoot stands as a clear winner and cannot be beaten because of its extraordinary good value. The online account management functionality means you manage you account from anywhere 24hrs a day. One of the best credit cards available in the UK – definitely every UK resident should have one Cahoot Credit Card!

Link to previous articles: Halifax Credit Card Post Office Credit Card Goldfish Credit Card Buy & Fly Credit Card Hilton Honours Credit Card RSPCA Credit Card

Post office Credit Card

The Post Office credit card is a brand credit card from the great British institution - the Post Office! The post office has, for a long time, offered various financial products like savings, insurance and loans and now they have ventured into the business of credit cards with their brand name offering of the post office credit card.

The big difference with the post office credit card is that it is a double use card meaning you can use it as a credit card, with competitive rates or if you need to make a big purchase you can pre-arrange a personal loan on the card which carries a much lower rate of interest as compared to the regular purchases. You will still have to make a minimum payment but pre-arranging a loan for a purchase on the card carries an interest rate of just 6.8% pa. So if you wanted to buy, say a new refrigerator on your card, you could buy the Refrigerator as usual and then simply call the post office who will arrange for it to be put on the lower "loan" rate. You then have to pay that amount off in a 12 month period which is sufficient enough for you to repay it in easy installments.

You could obviously use the Post Office credit card like any normal credit card. They offer a great 0% on balance transfers for up to 8 months and 0% for 3 months on purchases and then a standard rate of just 14.9% APR, which is really on the lower side compared to what is offered by other cards in the UK market.

Another great benefit is for travellers - The post office are one of only a handfull of credit card providers who charge no commission on foreign currency purchases. Simple great offer!

Details of Post Office credit card

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	8 Months
Introductory Purchases	0%
Monthly Rate	0%
Period	3 Months
Standard APR	14.9%
Monthly Rate	1.167 %
Cash Advance	14.9%
Cash Advance Fee	2% (Min £2.00)
Minimum Payment Required	2.5% (Min £5)
Annual Fee	None
Loyalty Points	None
Travel Accident Insurance	No
Free Purchase Protection	Yes
Foreign Usage Fee	0%

Other Post Office Credit Card Features and Benefits

• 0% on purchases abroad
• 2 in 1 - credit card and loan
• Free Purchase protection
• Chip and Pin
• 0% on balance transfers and purchases

Post Office Credit Card Review Summary The Post Office credit card is an interesting credit card product offered by the UK’s most reputed institute – The Post office. A first for the UK market in that it offers an innovative loan feature as well as all the features you would expect from a normal credit card. There are some good savings to be made by utilising this facility and the standard card product is also competitive. The 0% commisison on foriegn currency is also a big attraction.

Link to previous articles: Goldfish Credit Card Buy & Fly Credit Card Hilton Honours Credit Card RSPCA Credit Card Mint Credit Card Vanquis Credit Card

Alliance and Leicester Credit Card

Alliance and Leicester – a reputed financial organization, has one of the most trusted names in the Britain and the Alliance and Leicester credit card has some good features.


The Alliance and Leicesterand credit card has a creditworthy combination of competitive rates and good added value features, along with loads of other benefits. It has all the online functionality you could require as well as the reassurance of a physical presence in your neighbourhood (not too far). The introductory balance transfer rate of 0% lasts for first 12 months (3% handling fee may be applicable) which could save you enough money.

You also get 0% for 3 months on purchases. The standard rate is 15.9% APR, which is one of the most competitive rates in the market. Other benefits include optional payment protection cover and credit limits up to pound 50,000. But be careful, higher credit limit means higher tendency to spend and one may end up in huge debt- hence, take the limit as much as you can afford.

You can apply online and manage your account online as well as having a normal monthly statement through the courier service or post.

Details

Introductory Balance Transfers	0%
Monthly Rate	0%
Period	12 Months
Introductory Purchases	n/a
Monthly Rate	n/a
Period	n/a
Standard APR	15.9%
Monthly Rate	1.2408%
Cash Advance APR	27.9%
Cash Advance Fee	2.25% (Min £2.50)
Minimum Payment Required	2.25% (Min £5)
Annual Fee	None
Loyalty Points	None
Travel Accident Insurance	£250,000
Free Purchase Protection	None
Foreign Usage Fee	2.75%

Other Alliance and Leicester Credit Card Features, Charges, Benefits and other details

• No annual fee


• 24hr customer service line


• Manage your account online


• Online applications

Alliance and Leicester Credit Card Review Summary

The Alliance and Leicester credit card is a reasonable credit card from a trusted and reputed organization. The rates charged on offer are very competitive as per the UK market and they offer a good range of benefits. The 0% on balance transfers is also particularly attractive.

Link to previous article:
AOL Rewards Credit Card
BMI Classic MasterCard
MBNA Sonycard Credit Card
MBNA Platinum Rewards Credit Card
MBNA Classic Credit Card
MBNA Platinum Credit Card

BMI Classic MasterCard

Typical rate 15.9% APR (variable).

Apply online for the BMI Classic MasterCard and if you spend £250 on card purchases within 90 days of your account opening we'll give you 20,000 destinations miles*. That's enough for a return flight to Italy, Spain and many other great destinations! Plus, you'll also enjoy:

• 0% p.a. on balance transfers for twelve months from the date your account is opened (3% handling fee)

• 0% p.a. on card purchases for three months from the date your account is opened♠

• Typical rate 15.9% APR (variable).

• Double destinations miles when you use your bmi Classic MasterCard to buy a bmi flight at flybmi.com

• Automatic enrolment into diamond club, bmi's frequent flyer programme.**

• No booking fee when you use your bmi MasterCard to buy bmi flights online at flybmi.com or via the bmi call centre.

• No annual fee to pay.

FEATURES:	SUMMARY:
Typical APR:	Typical rate 15.9% APR (variable)(1.2408% monthly).
Promotional rate:	0% p.a. on card purchases for three months from account opening(0.0000% monthly), 0% p.a. on balance transfers and credit card cheques for twelve months from account opening (0.0000% monthly) provided you operate your account within the terms and conditions.
Other rates:	15.9% p.a. (variable) on card purchases, balance transfers and credit card cheques (1.2408% monthly), and 27.9% p.a. (variable) on cash transactions (including money transfers) (2.0751% monthly).
Interest free period:	Up to 56 days on card purchases only, if you pay your statement balance in full and on time every month, otherwise interest will be charged as set out below.
Interest charging information:	Card purchases, balance transfers, credit card cheques and cash transactions (including money transfers): we will charge interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. We work out interest each day so the earlier you make payment, the less interest you will have to pay.
Allocation of payments:	We will use your payments to reduce balances at lower rates of interest before balances at higher rates of interest. Where you have two promotional rates which are the same, we will use your payments to reduce the balance with the longer promotional period first.
Monthly minimum payment:	If the balance shown on your statement is £25 or less, it will be the total amount of the statement balance; or if the balance shown on your statement is more than £25, it will be whichever is the least of 3% of the statement balance or the total of any Payment Protection Cover charges, interest, handling fees and default charges plus £5, provided that it will always be at least £25.
Credit limit:	We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. The maximum credit limit that you can have under this agreement is £50,000.
Annual fee: £0
Other charges:	3% handling fee (min.£3) on: credit card cheques and balance transfers. 3% handling fee (min.£3) on: cash transactions (including money transfers). 2.75% commission on foreign currency transactions.
Default charges:	£12 for going overlimit, making late payments and for returned payments.

Link to previous article: MBNA Sonycard Credit Card
MBNA Platinum Rewards Credit Card
MBNA Classic Credit Card
MBNA Platinum Credit Card

MBNA Classic Credit Card

Apply for the MBNA Classic MasterCard today and you could save money by transferring the balance from your existing credit cards, store cards and loans. Simply complete the quick and easy online application.

• An outstanding introductory balance transfer rate of just 1.9% p.a. - available for nine months from the date your account is opened. 3% handling fee applies.

• Typical rate 17.9% APR (variable).

• No annual fee to pay.

• There is no liability or excess to pay for theft, loss or fraudulent Internet use - as long as you tell us as soon as your card cannot be found or you notice any unusual transactions on your account.

• Online Banking – Access your account to view your PIN, check your balance and transactions, set up direct debits, carry out balance transfers and much more.

FEATURES:	SUMMARY:
Typical APR:	Typical rate 17.9% APR (variable)(1.3852% monthly).
Promotional rate:	1.9% p.a. on balance transfers and credit card cheques for nine months from account opening (0.1610% monthly), provided you operate your account within the terms and conditions.
Other rates:	17.9% p.a. (variable) on card purchases, balance transfers and credit card cheques (1.3852% monthly), and 27.9% p.a. (variable) on cash transactions (including money transfers) (2.0751% monthly).
Interest free period:	Up to 56 days on card purchases only, if you pay your statement balance in full and on time every month, otherwise interest will be charged as set out below.
Interest charging information:	Card purchases, balance transfers, credit card cheques and cash transactions (including money transfers): we will charge interest on all transactions, fees, other charges and interest, starting on the transaction date and ending on the date you pay the bill in full. We work out interest each day so the earlier you make payment, the less interest you will have to pay.
Allocation of payments:	We will use your payments to reduce balances at lower rates of interest before balances at higher rates of interest. Where you have two promotional rates which are the same, we will use your payments to reduce the balance with the longer promotional period first.
Monthly minimum payment:	If the balance shown on your statement is £25 or less, it will be the total amount of the statement balance; or if the balance shown on your statement is more than £25, it will be whichever is the least of 3% of the statement balance or the total of any Payment Protection Cover charges, interest, handling fees and default charges plus £5, provided that it will always be at least £25.
Credit limit:	We will choose your credit limit and tell you what it is. We may vary it at any time and write to let you know. The maximum credit limit that you can have under this agreement is £50,000.
Annual fee:	£0
Other charges:	3% handling fee (min.£3) on: credit card cheques and balance transfers. 3% handling fee (min.£3) on: cash transactions (including money transfers). 2.75% commission on foreign currency transactions.
Default charges:	£12 for going overlimit, making late payments and for returned payments.

Link to previous article : MBNA Platinum Credit Card

Natwest Credit Card Protection

Nothing is more important to us than your security. We promise to do everything in our power to keep you and your money safe - both online and on the high street.

We offer the following additional monitoring and security services at no extra cost:

Identity theft help line

If you suspect you are a victim of identity theft or would like to know how to protect yourself, our advice line can guide you through the best course of action

Fraud warnings

When we suspect a fraudulent transaction on your Credit Card we will call you in person to check everything's okay. You can also sign up for our free text alerts so we send details of any suspicious transactions straight to your mobile phone.

NatWest Secure - Internet Fraud Protection

NatWest Secure enables you to create a password for using your Credit Card with many participating online shops. You will then be prompted to enter random characters from your password when you shop to make sure you are the genuine cardholder.
Internet Fraud Protection guarantees to refund losses caused by online fraud, so shopping online with your NatWest Credit Card is as safe as shopping on the high street
For your further peace of mind, we also offer the following optional insurance:

NatWest Card Protection Plus

Protect all of your credit and debit cards from fraud if your cards are lost or stolen with NatWest Card Protection Plus. Just one phone call from anywhere in the world will cancel all your cards and order replacements. And if you move home, your bank card providers will be notified of your change of address, saving you time and hassle.
For £29 for 1 year and £70 for 3 years, all your locks and keys are also covered should you need these replaced. NatWest Card Protection Plus covers you and up to 4 people in your household, so everyone can take advantage of the policy.
You can select Card Protection Plus when you apply for your card online.

Payment Protection

Independent financial product research company, Defaqto, has rated our Cardholder Payment Protection Insurance product five stars for its features and benefits.
Protect your repayments against involuntary unemployment, accidents and illness, for just 79p for each £100, or part thereof, of the highest balance on your statement that month.
While you can't work, Payment Protection pays up to 10% of your outstanding balance per month, for up to a year, direct to your NatWest Credit Card.
You need to have been in paid employment for at least 16 hours a week for the last six months.
You can select Payment Protection when you apply for your card online.

PrivacyGuard®

Effective protection from identity theft, with regular credit reports and payment history, fraud alerts and up to £10,000 for legal fees and other expenses to help defend your name and reinstate your credit status. Cover costs just £6.99 a month.

Link to previous article: Natwest Platinum Credit Card

Natwest Platinum Credit Card

Enjoy 0% interest on your balance transfers for a whole 13 months with our Platinum Credit Card, you also receive 0% interest on purchases for three months. It only takes a few minutes to complete our online application, so apply now for an instant decision.
To apply you need to be a UK resident, over 25, and earn at least £25,000 a year.

Get great value - typical 13.9% APR (variable)

Your money

• 0% interest on balance transfers for 13 months from account opening. Subject to a transfer fee of 2.5% (minimum £5) during the first three months from account opening1

• 0% interest on purchases for 3 months from account opening

• Enjoy an interest free period on purchases - up to 56 days - if you pay your current and previous month's balance in full and on time

• Make fee-free transfers by phone to any UK bank account (minimum £250)

• Make cash withdrawals of up to £750 per day subject to a 2.5% handling fee with a minimum £2.50

• If you're an Advantage Gold member you can enjoy a 1% APR discount off our standard rate, please visit your local branch for full details

Your account

• Online access, 24 hours a day, 7 days a week through NatWest Online Banking

• Make your payments by Direct Debit, online, by phone or in branch. Pay off as much as you like as long as you make the minimum payment

• Share the benefits of your card with a spouse, partner or close friend by adding an additional cardholder for free

Your security

• Protect yourself with our identity theft helpline, internet fraud protection and fraud warning alerts at no extra cost

• Emergency Medical and Legal referral services

Wine Offers

• Enjoy special offers, and the occasional free gift, from the NatWest Wine Club

Link to previous article: Natwest Gold Credit Card

Natwest Gold Credit Card

Enjoy 0% interest on your balance transfers for a whole 13 months with our Gold Credit Card, you also receive 0% interest on purchases for three months. It only takes a few minutes to complete our online application, so apply now for an instant decision.
To apply you need to be a UK resident, over 21, and earn at least £20,000 a year

Get great value - typical 13.9% APR (variable)

Your money

• 0% interest on balance transfers for 13 months from account opening. Subject to a transfer fee of 2.5% (minimum £5) during the first three months from account opening

• 0% interest on purchases for 3 months from account opening

• Enjoy an interest free period on purchases - up to 56 days - if you pay your current and previous month's balance in full and on time

• Make fee-free transfers by phone to any UK bank account (minimum £250)

• Make cash withdrawals of up to £500 per day subject to a 2.5% handling fee with a minimum £2.50

• If you're an Advantage Gold member you can enjoy a 1% APR discount off our standard rate, please visit your local branch for full details

Your account

• Online access, 24 hours a day, 7 days a week through NatWest Online Banking

• Make your payments by Direct Debit, online, by phone or in branch. Pay off as much as you like as long as you make the minimum payment

• Share the benefits of your card with a spouse, partner or close friend by adding an additional cardholder for free

Your security

• Protect yourself with our identity theft helpline, internet fraud protection and fraud warning alerts at no extra cost

• Emergency Medical and Legal Referral service

Wine Offers

• Enjoy special offers, and the occasional free gift, from the NatWest Wine Club

Link to previous article: Natwest Classic Credit Card

Natwest Classic Credit Card

Enjoy 0% interest on your balance transfers for a whole 13 months, you also receive 0% interest on purchases for three months with our Classic Credit Card. It only takes a few minutes to complete our online application, so apply now for an instant decision.

To apply you need to be a UK resident, over 18, and earn at least £10,000 a year.

Get great value - typical 13.9% APR (variable)

Your money

• 0% interest on balance transfers for 13 months from account opening. Subject to a transfer fee of 2.5% (minimum £5) during the first three months from account opening

• 0% interest on purchases for 3 months from account opening

• Enjoy an interest free period on purchases - up to 56 days – if you pay your current and previous month's balance in full and on time

• Make fee-free transfers by phone to any UK bank account (minimum £250)

• Make cash withdrawals of up to £300 per day subject to a 2.5% handling fee with a minimum £2.50

• If you're an Advantage Gold member you can enjoy a 1% APR discount off our standard rate, please visit your local branch for full details

Your account

• Online access, 24 hours a day, 7 days a week through NatWest Online Banking

• Make your payments by Direct Debit, online, by phone or in branch. Pay off as much as you like as long as you make the minimum payment

• Share the benefits of your card with a spouse, partner or close friend by adding an additional cardholder for free

Your security

• Protect yourself with our identity theft helpline, internet fraud protection and fraud warning alerts at no extra cost

Wine Offers

• Enjoy special offers, and the occasional free gift, from the NatWest Wine Club

Link to previous article: Review of Natwest Student Credit Card

Review of Natwest Student Credit Card

General Online Comments and reviews for Natwest Student Credit Card

1.
I applied for a Natwest credit card, as my student account is with them. I received the first statement and paid it in full. Then just before I received the second statement I received a letter saying the card had to be cut up and returned without any explanation as to why. Pretty confused as to what I had done wrong, I phoned them, only be to told they had changed their criteria and I no longer fitted it. They refused to discuss what the actual problem was. The limit on the credit card was only £350, and I was not up to that limit. I had used it a few times when I was skint, as all students usually are, to buy food and petrol. My advice is, if you are looking for a student credit card that you can use when your student loan has run out and your funds are low, Natwest are really not a good idea.

2.
I am first year student and just applied for a credit card from Natwest with a credit limit is £250. Unfortunately I was over limit on my fifth month by £22. Before I even know it, I got £43 fine. I called the Customer Service to find out what has happened and the answer is ...? £12 over limit for the fifth month £12 for late payment £ 7 for interest rate £12 over limit for the sixth month (even though I was only late for one day ) Now I asked how come the advert said 56 interest free days or 0% interest for 9 months ... what did they answer? Did you read the terms and conditions? It is a joke right? How many pages are they? plus they are small prints. If we read all the terms and conditions every time we buy something or do something then properly it will be forever. So WATCH OUT FOR NATWEST STUDENT CREDIT CARD. they are not what they say.


Advantages: Low income friendly,air miles,online banking,Convenience of High Street bank credit card for payments and cash withdrawals. Decent online facility,Excellent on-line service, good for students, air miles scheme, helpful telephone service, sensible credit limits

Disadvantages: poor payment options,Poor loyalty scheme value, extortionate charges,High APR, high admin charges, trouble using it on certain websites

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Great Discounts on Natwest Student Credit Cards
Natwest Student Credit Card

Great Discounts on Natwest Student Credit Cards

NatWest has teamed up with MasterCard® to bring you great discounts on CDs, sports gear, travel guides, gadgets and short breaks. Full details of how to take advantage of these offers will be sent to you with your Welcome Pack.

Spend £10 or more and save 25% on Lonely Planet guides

There's no bigger name in student travel, and no better guide to have at your side. From the latest SoHo fashion boutiques in NYC, to the best value accommodation in Marrakech and the most spectacular mountain passes in Nepal, Lonely Planet gets it right every time. And now you can get 25% discount on Lonely Planet titles every time you spend £10 or more. So where will you head first?

10% off UK short breaks with Superbreak

Superbreak is the UK's No.1 short break operator, providing accommodation at over 1,600 hotels across the country. Whether you're heading for the bright lights of the city or a rugged coastal adventure, Superbreak offers everything from 2-star economy to 5-star luxury.

£5 off gadgets, games and quirky gifts from Firebox

For the latest, must-have gadgets games and gizmos check out Firebox. Always first with the coolest stuff and the next big thing, Firebox is bursting with great ideas.

Save 15% at Kitbag.com

Kitbag is one of Europe's largest online sports retailers. Take your pick from big names like Adidas, Nike, Puma, Reebok, Umbro and more. You'll be spoilt for choice with everything from football shirts and boots to training gear and leisurewear.

Get 20% off in O'Neill stores

Not only does O'Neill keep you warm in the ocean and on the slopes, today O'Neill stocks a huge range of streetwear, footwear and accessories for the street. You get to save 20% on all clothing and footwear in participating stores.

Link to previous article: Natwest Student Credit Card

Natwest Student Credit Card

Natwest knows it's not always easy managing your money, so we have designed a Credit Card that is flexible enough to help you make the most of it.

Good because you get great value - typical

18.9% APR (variable),

plus you receive

Great discounts

(Click here to view details of Available discounts)

-Up to 56 days' interest free credit on purchases*

-Maximum £500 credit limit

-Straightforward repayments by Direct Debit

-Transfer money by phone

-Daily cash advance of up to £300**

-No annual fee

-Worldwide acceptance

-Special offers, and the occasional free gift, from the NatWest Wine Club***

-Don't forget you need a NatWest Student Current Account to apply for our Student Credit Card. Please ask in branch for more details.

Please note that balance transfers are not permitted on Student Credit Card Accounts.

Link to previous article: Barclaycard Graduate Credit Card