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

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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.

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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