The NatWest Reward Credit Card gives you cashback on everyday spending and extra perks for account holders.
Applying online is simple, but you need to know the requirements and the steps involved.
This guide shows you how to apply and what to expect after submission.
Card Features and Benefits
The NatWest Reward Credit Card features several practical benefits that make it an attractive option for everyday spending.
Knowing these benefits helps you decide if the card fits your financial needs.
- Cashback Rewards – Earn cashback on eligible supermarket and fuel spending, plus at selected retailers.
- Reward Points – Points can be redeemed for gift cards, travel, or direct account credits.
- Introductory Offers – Promotional rates on balance transfers or purchases for new customers.
- Purchase Protection – Coverage on certain items bought with the card.
- Contactless Payments – Easy tap-and-go transactions with security built in.
- Online and Mobile Banking Access – Manage your account, track rewards, and set up alerts.
Interest Rates and Fees
Before applying, you should understand the costs tied to the NatWest Reward Credit Card.
Knowing the rates and fees helps you manage spending and avoid unnecessary charges.
- Purchase APR – A representative variable rate, usually around 23–25% depending on eligibility.
- Balance Transfer Fee – A percentage of the transferred amount, often between 2% and 3%.
- Cash Advance Rate – A Higher interest is charged on ATM withdrawals or cash-like transactions.
- Annual Fee – A fixed yearly charge applied for holding the card.
- Late Payment Fee – A penalty is applied if you miss the minimum payment deadline.
- Foreign Transaction Fee – Extra charges when using the card abroad or in non-sterling currency.
Eligibility Criteria
To apply for this card, you need to meet specific conditions. These requirements ensure that applicants can responsibly manage credit.
- Age Requirement – You must be at least 18 years old.
- Residency – You need to be a UK resident with a permanent address.
- Income – A regular income is required, often with a minimum threshold set by NatWest.
- Credit History – A good credit score with no recent defaults or bankruptcies is expected.
- Existing Accounts – Having a NatWest current account may improve approval chances, but it is not always mandatory.
- Other Credit Commitments – Lenders may review your debt-to-income ratio to assess affordability.
Step-by-Step Online Application
Applying online for the NatWest Reward Credit Card is simple if you prepare your details in advance. Follow these steps to complete the process securely.
- Go to the NatWest Website – Visit the official credit card page to start your application.
- Choose the Reward Credit Card – Select the card option and click “Apply Online.”
- Fill in Personal Information – Provide your name, address, date of birth, and contact details.
- Add Employment and Income Details – Enter your job status, salary, and financial commitments.
- Review Eligibility – NatWest may run a soft credit check to confirm if you qualify.
- Submit Identity Verification – Provide ID documents if requested, such as a passport or driving license.
- Confirm and Submit Application – Double-check the form and send it for processing.
After Submission Process
Once you finish the application, NatWest takes several steps before issuing your card.
Knowing what happens next helps you track your progress and prepare for possible requests.
- Application Review – NatWest reviews your details, credit history, and financial background.
- Instant or Delayed Decision – Some applicants receive approval right away, while others may need further checks.
- Document Requests – You may be asked to provide proof of identity, income, or address.
- Credit Agreement – If approved, you’ll receive a digital or paper agreement to review and sign.
- Card Production – NatWest issues and personalizes your card after you accept the terms.
- Delivery Timeline – Cards are typically delivered by post within 7 to 10 working days.
Digital Wallet and Contactless Integration
The card is designed for modern payments. It works smoothly with mobile wallets and supports fast, secure transactions.
- Apple Pay and Google Pay – You can add the card to your smartphone for easy tap-and-go purchases.
- Contactless Payments – Pay quickly by tapping the card on compatible terminals, avoiding PIN entry for small amounts.
- Wearable Devices – The card can be linked to smartwatches for added convenience when shopping.
- Enhanced Security – Transactions use tokenization, which protects your card details from exposure.
- Daily Spending Efficiency – Using contactless speeds up checkout times, making it practical for commuting or grocery runs.
- Global Acceptance – Most retailers in the UK and abroad support contactless and digital wallet payments.
Reward Conversion Options
The card lets you turn your cashback into different forms of value. Understanding the options helps you choose the best way to use your rewards.
- Bill Credit – Apply rewards directly to reduce your monthly credit card balance.
- Gift Cards – Redeem points for vouchers at major retailers and restaurants.
- Travel and Experiences – Use rewards for flights, hotels, or leisure activities when available.
- Cash Redemption – Transfer rewards into your NatWest current account as cash.
- Charity Donations – Convert your rewards into donations to approved charities.
- Seasonal Promotions – Occasionally, NatWest offers enhanced value for specific redemption categories.
Support for Balance Transfers and Debt Management
The NatWest Reward Credit Card can help you manage existing debts more effectively.
By using balance transfer features wisely, you can reduce interest and simplify repayments.
- Balance Transfer Option – Move balances from other cards to consolidate debt under one account.
- Introductory Rates – Benefit from promotional lower or 0% interest on transfers for a set period.
- One Monthly Payment – Simplifies budgeting by combining multiple card payments into one.
- Potential Savings – Lower interest costs compared to high-rate credit cards.
- Transfer Fees – A percentage fee applies, usually between 2% and 3% of the transfer amount.
- Debt Management Tool – Online banking allows you to track payments, set reminders, and avoid missed deadlines.
Contact Information
After submitting your application—or if you need help later—these are the correct channels to reach NatWest support.
- Credit Card Applications (UK): 0370 333 9092 (Mon–Fri, 8 am–6 pm)
- General Credit Card Queries (UK): 0370 333 9091 (24/7)
- General Credit Card Queries (Overseas): +44 1268 508 018
- Lost or Stolen Cards (UK): 0370 600 0459 (24/7)
- Lost or Stolen Cards (Overseas): +44 1268 500 813
- Fraud Reporting (Personal Credit Cards): 0800 161 5153 (UK) or +44 126 850 8020 (Overseas) – 24/7 service
- Postal Address: Cards Customer Services, PO Box 5747, Southend-on-Sea, SS1 9AJ, United Kingdom
To Sum Up
The NatWest Reward Credit Card offers cashback, rewards, and useful digital features that make it practical for everyday use.
Applying online is straightforward if you meet the eligibility requirements and prepare your details in advance.
Take the next step today by visiting the NatWest website and starting your application.
Disclaimer
Information about the NatWest Reward Credit Card, including rates, fees, and eligibility, may change over time.
Always check the official NatWest website for the most up-to-date details before applying.