Natwest Platinum Credit Card

Published on 21 July 2012 by Raffick Marday

Natwest Platinum Credit Cards Reviews

Credit Card Name
NatWest Platinum Credit Card
Credit Card Issuer Royal Bank of Scotland
Type of Credit Card MasterCard Credit Card

Natwest Platinum Credit Card

Introducing the Natwest Platinum MasterCard credit card which offers a long term 15 months from account opening on your balance transfers with 0% interest. Balance transfers are limited to 95% of your available credit limit so if your new Natwest Platinum Credit Card has a limit of £2000, you could switch up to £1900.

Also the Natwest Platinum Credit Card gives you a great choice of discounts, including air tickets and hotels for you to book holidays and work trips with.

Who can apply for this Natwest Platinum credit card?

You can apply for Natwest Platinum Credit Cards even if you are not a Natwest current account customers. You must be over 25, a UK resident and have a land line phone number and have an income over £25,000 to get an instant decision credit card. We recommend you have your salary, banking and employment address details to hand to avoid any delays in applying.

The online application form takes a five minutes to complete with an easy step by step instructions and as you would expect secure website protection, make sure you have all the details with you as the application will ask you your personal details, details about your work, what type of card you want and finally confirm the legals, terms and conditions.

What benefits do you get with your Natwest Platinum Credit Card?

With a Natwest platinum credit card

you can pay your balance (and your previous month’s balance) in full and on time each month you’ll enjoy up to 56 days’ interest free credit on all purchases.

    • Enjoy the occasional free gift, special wine offers and access to over 1,000 fine wines as a member of the Natwest Wine Club 2
    • The Natwest Travel Service offers you savings on holidays with over 150 tour and cruise operators
    • 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

What are the default charges?

Natwest platinum credit card charge £12 for going over your credit limit, paying late and £10 for returned payments.

What is the minimum payment that I will need to make each month?

Minimum payment each month is the greater amount either 2.25% of your balance or £5.

What is my credit limit?

They will choose your credit limit and tell you what it is. They may vary it at any time and write to let you know. The minimum credit limit that you can have under this agreement is £300 which is increased subject to status.

Where do I make a complaint?

If you would like to make a complaint about your Natwest credit card, you can call them on – 0800 015 4212 – 24 hours a day, 7 days a week. They have procedures in place which will make sure they handle your complaint fairly and quickly. However if you are not satisfied with the outcome of your complaint you can write to Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.

Natwest Platinum Credit card provided by The Royal Bank of Scotland plc

Application Charges

Application fee
Free
Annual charge
Free

Balance Transfer Intro Rates

Introduction Period
15 months
Annual Rate
16.95%
Handling Fee

New Purchase Intro Rates

Introduction Rate
0%
Introduction Period
3 months
Annual Rate
16.95%

Cash Advances Intro Rates

Introduction Rate
N / A
Introduction Period
N / A
Annual Rate
27.95%
Handling Fee
3%

Cheque Intro Rates

Introduction Rate
N / A
Introduction Period
N / A
Annual Rate
19.95%
Handling Fee

Money Transfer Intro Rates

Introduction Rate
N / A
Introduction Period
N / A
Annual Rate
16.95%
Handling Fee
2.75%

Additional Charges

Additional Card
Free
Default charges
£12.00
Interest free period
56 days

Please be sure to read the agreement fully and carefully before making any agreement.

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