YourPoints rewards: M&S, Amazon & Boots vouchers, travel & holidays
2,500 bonus YourPoints initially and every year thereafter
0% on purchases for 13 months
0% on balance transfers for 13 months (2.9% fee)
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Natwest YourPoints World MasterCard credit card
Available to those who are:
- Aged 18 or over
- UK resident
- Earn at least £10,000 a year
Please ensure you meet the above criteria before applying, or it could adversely affect your credit rating.
| Representative Example: 17.95% p.a. variable on purchases. This is equivalent to 17.9% APR representative variable based on a credit limit of £1,200. National Westminster Bank PLC. Registered Office: 135 Bishopsgate, London, EC2M 3UR. |
What's on offer?
Main summary of this credit card's rates, rewards and services.
 Purchases: |
 Balance transfers: |
 Rewards: |
 Cardholder services: |
|---|---|---|---|
| 0% for 13 months 17.95% p.a. variable thereafter |
0% for 13 months 17.95% p.a. variable thereafter 2.9% transfer fee (£5 min) Must be transferred within 3 months |
YourPoints Reward Scheme 2,500 Bonus YourPoints (worth £12.50) |
Online Account Management Fraud Guarantee Active Fraud Monitoring MasterCard SecureCode |
Further details
A closer look at the rates, rewards and services of this credit card.
Please ensure you read the full terms and conditions and the summary box on the provider's website before applying for any product.
Please see below for more important information relating to the content of this page.
Application criteria
| Detail | |
|---|---|
| Only apply if you are: | - Aged 18 or over - UK resident - Earn at least £10,000 a year |
Interest rates
| Detail | Additional | |
|---|---|---|
| Representative APR (variable) | 17.9% APR | Based on a £1,200 credit limit. |
| Introductory Purchases | 0% for 13 months | - |
| Introductory Balance Transfers | 0% for 13 months | Must be transferred within 3 months of account opening to qualify. |
| Standard Purchases | 17.95% p.a. variable | - |
| Standard Balance Transfers | 17.95% p.a. variable | - |
| Standard Cash Advances | 27.95% p.a. variable | - |
Fees and charges
| Detail | Additional | |
|---|---|---|
| Balance Transfer fee | 2.9% (£5 min) | - |
| Cash Advance fee | 3% (£3 min) | - |
| Foreign fee | 2.75% | This fee is charged for transactions made in non-sterling currency. |
| Annual fee | None | - |
| Default charges | £12 | Returned payments are charged £10. This charge is made for late payments, returned payments and exceeding the credit limit. |
Repayment details
| Detail | Additional | |
|---|---|---|
| Credit limit | £300 min | Credit limit is subject to status. |
| Interest free period | Up to 56 days | Maximum for purchases if you pay your 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, money transfers or balance transfers. |
| Minimum monthly payment | 1% (£5 min) | The greater of: - interest, default charges, 1/12 of your annual fee (if any) and 1% of your remaining balance (excluding any remaining part of the annual fee); or - £5. |
| Allocation of payments | Payments will be allocated to the most expensive debt first. | |
Rewards and discounts
| Detail | |
|---|---|
| YourPoints Reward Scheme | 1 YourPoint per £1 spent Redeem YourPoints for: - Shopping vouchers (M&S, Amazon.co.uk, Boots, & more) - Travel and holidays - Days out - Wines Every 2000 YourPoints is worth a £10 shopping voucher. |
| 2,500 Bonus YourPoints (worth £12.50) | Get 2,500 bonus YourPoints when you take out the card, and every year thereafter. Example: 2,000 YourPoints is worth a £10 M&S voucher. |
Cardholder services
| Offered | Additional | |
|---|---|---|
| Online account management |  |
- |
| Fraud Guarantee | |
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 | |
Choose SMS text alerts and receive a text message instead of a phone call if Natwest spot anything suspicious on your account. |
| Identity Protection |  |
- |
| Credit Report Access | |
- |
| 3D Secure | |
MasterCard SecureCode 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. |
| Contactless Payments | |
- |
| Purchase Protection Insurance | |
- |
| Purchase Delivery Insurance | |
- |
| Travel Insurance | |
- |
| Travel Accident Insurance | |
- |
| Travel Inconvenience Insurance | |
- |
| Assistance Abroad | |
- |
| Emergency Card Replacement | |
- |
Please read the following notice:
This page is part of an advertisement of this product.
The information on this page is intended to provide general information only and does not attempt to give advice that relates to your specific circumstances. If you are unsure as to the suitability of any financial product, you should discuss this with an independent financial advisor.
While we make every effort to ensure and maintain current and accurate information on this site and the content on this page will be periodically updated inline with product changes, it could contain rates, deals or facts which have now changed and therefore should not be solely relied upon.
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