Natwest Gold MasterCard credit card

	Card Name	Natwest Gold credit card
	Card Type	MasterCard
	Card Issuer	National Westminster Bank
	Exclusive Features	Get great rates on balance transfers

Eligibility

Minimum Age	21 years or over
Minimum Income	earn at least £20,000 a year to apply
Status	You must have a residential UK address and have a legal right to reside within the UK - Proof of ID required - Credit check done -

Type of card - MasterCard

The Natwest Credit Card is a MasterCard card - It can be used at over 25 million locations worldwide also with over 1 million ATM in over 210 countries whereever you see the MasterCard - Maestro or Cirrus acceptance sign.

Natwest Gold Card Fees

Card Application Fee	FREE
Card annual fee	FREE
Card Limit	Minimum credit limit is £300 and maximum is £20,000. All credit limits (including the maximum available) are subject to status.
Interest Free Period	56 days
Minimum payment	Greater of 2.25% of your balance (rounded down to the nearest pound) or £5 each month.
Late Payment charges	£12 if the account is over the credit limit at any time during a statement period or if you fail to pay on time; administration fee of £10 to process dishonoured cheque or direct debit; administration fee of £12 to return unpaid promotional cheque to prevent you going over your limit.

 

Introductory offers - APR	Intro Rate	Intro Period	Annual Rate
Purchases	0%	6 months	13.90%
Balance Transfer	0%	13 months	13.90%
Cash	n/a	n / a	24.90%
Balance Transfer details
Fee percentage	2.90%
Minimum fee	£5.00
maximum fee	2.90% handling fee

Rewards - Features and Benefits

Cash Back
Earn Reward Points
Free payment protection
Free purchase protection
Free price protection
Free warranty cover
Travel insurance protection
Earn Airmiles
Contributions to Charity
Online Access

Charges -

Cash Withdrawal

Cash advances (except gambling transactions) subject to a handling fee of 3% with a minimum of £3.00; Balance transfers subject to a fee of 2.9% (min £5) during the first three months from account opening, unless you qualify for exemption from that fee or are notified of a different fee under the terms of a special offer we make in connection with your application; Foreign exchange transactions subject to conversion fee of 2.75% (including purchase of foreign currency and travellers' cheques); Copies of statements are subject to a fee of £3.

Allocation of payments

We will apply payments we receive to your account in this order: Interest on special offers Other interest, any fee and charges Special offers Purchases Cash Advances and money transfers For full details, please see Section 2(D)(b) of your Credit Card Agreement.

Additional Benefits -

• The NatWest Wine Club gives you access to over 1,000 different wines and you can enjoy some remarkable savings 2
• Great savings and expert travel advice on 1000's of holidays with the NatWest travel club
• Online access, 24 hours a day, 7 days a week through NatWest Online Banking
• Make your Classic -Gold or Platinum Credit Card 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 credit card with a spouse, partner or close friend by adding an additional cardholder for free

 

Issued By:
National Westminster Bank Plc. Registered in England and Wales (Registered Number 929027), Registered Office: 135 Bishopsgate, London EC2M 3UR. Authorised and regulated by the Financial Services Authority. NatWest is entered on the FSA's Register and its Register number is 121878. The FSA's Register can be accessed at www.fsa.gov.uk/register . NatWest's registered VAT number is GB 243852752.

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