NatWest Gold Card
Compare the NatWest Gold Card with the UK's best credit cards, including card details, application criteria, introductory rates, rates, benefits and fees & charges.
 |  Compare NatWest Gold Card details directly with other credit cards or compare credit cards using our credit card comparison tables. | ||
| Company: | NatWest www.natwest.co.uk | ||
| Product: | Gold Card | ||
| Apply via this site: | Not available | ||
| Card Details | |||
 Card Issuer: | The card is issued by NatWest. | ||
| Type: | This card is available as Visa or Mastercard | ||
| Application Criteria | |||
| Min Age (yrs): | Minimum age for applicants is 21 years. | ||
| Min Income (£pa): | A minimum income of £20000 is required on this product. | ||
| 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: | Optional Kitchen Cover Warranty The cardholder can also have the option of Kitchen Cover Warranty Insurance to cover nine of their existing kitchen appliances. For a premium of £14.99 per month, they can insure their kitchen appliances up to 8 years old. This valuable cover includes insured repair costs (call-out, parts and labour) met directly by the insurer with food spoilage cover up to the value of £300 on freezing equipment. Travel Service Savings on holidays to destinations worldwide are available through the NatWest Travel Service. Free Travel Advice Helpline The cardholder can phone this helpline number for advice on visas, passports, health and vaccination requirements. While they are away, the helpline can be used to relay important messages, to track down lost articles, to provide emergency cash up to £250 (subject to a suitable guarantee of repayment within three months) and to arrange for medical supplies or documents left behind to be forwarded. The helpline service will, if the cardholder requires medical treatment overseas, arrange and pay up to £500 for the first consultation with a suitable local medical practitioner and any essential medical transport. Access to a local legal practice can also be provided and in certain circumstances the fee for the first hour of consultation will be met. Wine Club offers The NatWest Wine Club always has special offers for cardholders and sometimes free gifts too. 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 (£): | There is no annual fee. | ||
| 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. From 1st August statements, if customers only pay off part of the balance, interest will be charged on the outstanding amount from the date of the transaction and on any new purchases until the balance is paid off in full. | ||
| 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 | ||
