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Natwest Student Credit Card

Independent review with up to date rates, fees and special offers for this card...

natwest student credit card

apply now for natwest student credit card
  • Available to Natwest student account customers
  • Start building your credit history
  • Sensible credit limit to help you stay in control
  • Shopping discounts & wine club offers

Natwest credit card review: Student

OUR editors are currently reviewing the Natwest Student credit card.


Interest Rates and Fees
    Notes..
Typical APR 18.9% APR (variable) The typical APR is the rate most people are offered.
Balance Transfers n/a Balance transfers are not permitted on the Natwest Student credit card
Balance Transfer Fee None -
Cash Withdrawal Rate 27.95% p.a. (variable) You can withdraw up to £250 per day depending upon your available credit limit.
Cash Withdrawal Fee 3%
(£3 minimum)		 -
Annual Fee None -
Foreign Transaction Fee 2.75% This fee will be charged if you make a purchase or cash withdrawal in a foreign currency.

Rewards
    Notes..
Reward #1 Shopping Discounts - 15% off Kitbag.com
- £5 voucher for Firebox.com
- 10% off UK short breaks with Superbreak
- 1 month free DVD rentals at MyMovieStream when you subscribe to a package
- 25% off Lonely Planet titles when you spend £10 or more
Reward #2 Wine Club Offers Enjoy special offers and the occasional free gift from the Natwest Wine Club.

Cardholder Services & Extras
   
Online Account Management This service is offered. You can manage your account online if you have a Natwest current account
Internet Fraud Guarantee This service is offered. If your card has been used on the internet without your knowledge or consent, Natwest guarantee not to hold you liable for the fraudulent transaction if you have signed up to Natwest Secure (a free service in partnership with MasterCard SecureCode).
Fraud Monitoring This service is offered. Active Fraud Monitoring with Free Mobile Text Alerts
Choose SMS text alerts and receive a text message instead of a phone call if Natwest spot anything suspicious on your account.
Identity Protection This service is not offered.
MasterCard SecureCode This service is offered. An extra layer of security when shopping online. Register and set up a password-protected identity-check when you shop online with participating online retailers.
Purchase Protection Insurance This service is not offered.
Purchase Delivery Insurance This service is not offered.
Comprehensive Travel Insurance This service is not offered.
Travel Accident Insurance This service is not offered.
Travel Inconvenience Insurance This service is not offered.
Assistance Abroad This service is not offered.
Emergency Card Replacement This service is not offered.
Other Extras
Optional Extras These are extras that you can choose, but you will have to pay for them.
- Card Protection
- Identity Protection Cover

Payments & Payment Details
    Notes..
Credit Limit £250 minimum, £500 maximum Credit limit is subject to status.
Interest Free Period Up to 56 days For purchases if you pay your balance in full and on time, and have paid the previous month's balance in full and on time.
There is no interest free period on cash advances or money transfers.
Minimum Monthly Payment 2.25%
(£5 minimum)		 The minimum monthly payment will be the greater of:
- 2.25% of your outstanding balance (rounded down to the nearest pound), OR
- £5.
Allocation of Payments Interest on Special Offers » Other Interest, Fees & Charges » Special Offers » Purchases » Cash Advances & Money Transfers -
Default Charges £12 - Returned Payment: £10
- Late Payment: £12
- Exceeding Credit Limit: £12
Copy of Statement Fee £3 This is the fee you will be charged for duplicate statements.

Card Details
    Notes..
Online Application Yes Only available to Natwest student current account customers.
Card Type Student -
Payment Company MasterCard The company who provides the payment technology and infrastructure to allow you to use this credit card.
Retailers and ATM machines displaying the 'MasterCard' logo will accept this credit card.
Card Issuer Natwest The bank who issues this credit card.
Card Advertiser Natwest The company who advertises and promotes this credit card.

At a glance

Typical APR:
(variable)		 18.9% APR
Purchases: 18.95% p.a.
Interest Free Period: Up to 56 days
Annual Fee: £0
Rewards:
  • Shopping Discounts
  • Wine Club Offers
This card includes:
Online Account Management
Fraud Security
apply for a natwest student credit card
You should only apply if you are:
  • Aged 18 or over
  • UK resident
  • Hold a Natwest Student Current Account


Review Continued...

Apply Online for Natwest Student credit card »

National Westminster Bank Plc
135 Bishopsgate
London
EC2M 3UR
www.natwest.com

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