NatWest Classic Card
Compare the NatWest Classic Card with the UK's best credit cards, including card details, application criteria, introductory rates, rates, benefits and fees & charges.
 |  Compare NatWest Classic Card details directly with other credit cards or compare credit cards using our credit card comparison tables. | ||
| Company: | NatWest www.natwest.co.uk | ||
| Product: | Classic Card | ||
| Apply via this site: | Not available | ||
| Card Details | |||
 Card Issuer: | The card is issued by NatWest. | ||
| Type: | This item is only available as a Mastercard | ||
| Application Criteria | |||
| Min Age (yrs): | The minimum age for applicants is 18 years or a Channel Island resident over 21. | ||
| Min Income (£pa): | Minimum income required is £10000 p.a. | ||
| Introductory Rates | |||
| Intro Bal Tran Rate AER: | No introductory rate for balance transfers available. | ||
| Max Bal Transfer Fee (£): | Unlimited | ||
| Intro Purchase Rate AER: | 4.9% APR during introductory period. | ||
| Rates | |||
| APR - Purchases: | The typical APR is 16.9% p.a. | ||
| Balance Transfer AER: | The annual rate for balance transfers is 16.9%. | ||
| Balance Transfer Fee (%): | Customers applying for a credit card over the Internet/Phone will be offered a 2.90% BT fee, (minimum £5). | ||
| Cash Advance AER: | The annual interest rate for cash advances is 27.9%. | ||
| Benefits | |||
| Cash-Back Reward: | A cashback reward scheme is not available. | ||
| Air Miles: | Air Miles are not offered. | ||
| Other Incentives: | Travel Service Savings on holidays to destinations worldwide are available through the NatWest Travel Service. PrivacyGuard Service Natwest offer a PrivacyGuard Service which aims to assist customers in repairing their credit record when they have become victims of identity theft. PrivacyGuard includes an Identity Theft and Fraud Protection proposition powered by Experian. The service will help to protect consumers against identity fraud and assist them in recovering their identity in instances of fraud that occur - not just on their credit card, but on any financial services products held with any financial institution. It provides comprehensive credit monitoring and identity fraud protection and notifies members whenever key changes occur on their credit report. If members become victims of identity theft, they have immediate access to a highly skilled network of individuals to tackle the problem on their behalf and can claim against the cost of recovering their identity. Key Features - Credit reports: unlimited access to a comprehensive and detailed view of a customers credit history. The information is presented in an easy to understand and straightforward format. - Credit score: a personalised credit score together with specialist advice to allow a customer to assess and manage their credit status. - Credit alerts: comprehensive monitoring system that provides front-line defence against fraudulent or unauthorised activity on an individual's credit report. - Credit query resolution: support from expert staff trained to assist customers in resolving their credit report disputes and queries. - Fraud resolution: assistance provided by a dedicated team with access to a significant lender network to help a customer recover from identity fraud. - Identity theft insurance: extensive protection to help cover the costs associated with re-building an identity. The service costs £6.99 per month. Customers signing up to the service in the first 6 months will receive a £10 voucher which can be offset against the purchase of a shredder to help safeguard their financial privacy. | ||
| Shopping Reward Prog: | Enjoy special offers, and the occasional free gift from the Natwest Wine Club. Call 0870 162 0331 for information on the latest offers. Over 18s only. YourPoints: For every pound of qualifying spend credited, a point is added to the cardholder's YourPoints acount, to be redeemed through Ebookers online travel agent and Easyjet. | ||
| Fees & Charges | |||
| Annual Fee (£): | No annual fee is charged. | ||
| International Charges %: | In respect of all foreign currency transactions there is an administration levy equivalent to 2.75% of the transaction value. | ||
| Interest Charged from: | If the outstanding balance is not repaid within the 25 day period, interest will be charged on the outstanding balance from the transaction date of each purchase, as shown on the statement, until full repayment is credited to the account. Interest on all balance transfers and advances will be charged from the date the revelant balance transfer or advance was debited to the account until full repayment is made. | ||
| Interest Free Period: | Up to 56 days interest free period. | ||
| Min Payment £: | If the outstanding balance on the monthly statement is less than £5, the cardholder must pay it off by the date shown on their statement. If the outstanding monthly balance is £5 or more, they must pay a minimum of £5 or 2.25% of the balance, whichever is greater. | ||
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| Products: | www.natwest.co.uk Credit Cards | ||
