Student Credit Card
Great savings and a real-world credit limit
Want bargains? Get savings you can really use. Want to keep a lid on your finances? A maximum credit limit of £500 could help.
Financial benefits
Interest-free period every month
If you pay your balance (and your previous month's balance) in full and on time each month you'll enjoy up to 56 days' interest free credit on all purchases. Typical 18.9% APR (variable).
No annual fee
We don’t send you a bill just for choosing a Student Credit Card.
Take control of your card
Manage your credit card online
Check your balance or make a payment from your computer.
Worry-free payments
A Direct Debit means you’ll always pay your bill on time. Settle the balance in full or choose any other amount. However, we don’t recommend just making the minimum payment and you must have sufficient funds to pay your direct debit successfully.
Cash advance
Your Student Credit Card gives you access to £300 each day, from cash machines around the world. The amount you can withdraw depends on your credit limit, and there’s a 3% handling fee – a minimum of £3.
Travel
NatWest Travel Service
Book holidays and work trips with a wide choice of discounts, including air tickets and hotels.
UK breaks
10% off at Superbreak, with access to over 1,600 hotels across the country. From the big city to the great outdoors, there’s everything from comfortable right up to supreme luxury.
Student savings
Full details of how to take advantage of these offers will be sent to you with your Welcome Pack.
25% off Lonely Planet guides
Spend over £10 to get valuable savings from the big name in student travel.
£5 Firebox voucher
Save on the latest gadgets and gifts. Firebox is stacked out with the latest, greatest products.
Sports and casual wear
Get 15% off at kitbag.com, choose from brands like Adidas, Nike and Puma.
Free DVD rentals by post
Subscribe to any MyMovieStream package and the second month is free.
NatWest Wine Club
Look out for cardholder-only offers, as well as the occasional free gift. For more details or to register please call 0870 162 0331*.
*Maximum call charge from a BT landline is 6p plus up to 6p per minute. Calls from other networks may vary.
| Summary Box | |
|---|---|
| The information contained in this table summarises key product features and is not intended to replace any terms and conditions. | |
| APR | Typical 18.9% APR (variable) |
| Other Interest Rates | Monthly Rate | Annual Rate | |
|---|---|---|---|
| Simple | Effective | ||
| Purchases | 1.456% | 17.427% p.a. | 18.941% p.a. |
| Cash Advances | 2.075% | 24.900% p.a. | 27.948% p.a. |
| Money Transfers | 1.456% | 17.472% p.a. | 18.941% p.a. |
| Interest Free Period |
|
|---|
| Interest Charging Information | The periods over which interest is charged are as follows: | |
|---|---|---|
| From | Until | |
| Purchases | Transaction date | Repaid in full |
| Cash advances | Transaction date | Repaid in full |
| Money transfers | Date debited to your account | Repaid in full |
| Allocation of Payments |
|
|---|---|
| Minimum repayment |
Each month, the greater of 2.25% of your balance (rounded down to the nearest pound) or £5.
We do not recommend that you only ever make your minimum payment. |
| Amount of credit | Maximum £500. Subject to status. |
| Fees | No annual fee. |
| Charges |
|
| Default charges |
|
Important information
The NatWest Student Credit Card is available subject to approval, only to persons aged 18 or over. These services are for the attention of UK residents only and are only available in the UK. Please view Summary Box for important information on interest and charges.
The application process takes place within a secure Web site. All information submitted is protected by strong security techniques including 128-bit encryption so that it cannot be read by others.
The information you provide will be subject to a credit search with a credit-scoring bureau. Each time a credit search is conducted it is recorded against your details held at the credit-scoring bureau.
To complete an application you should have the following: Income details, Bank or Building Society details, Employer's name, address and telephone number, Details of a previous address if you've lived at your current address for less than two years, and Details of other credit or store cards (should you wish to transfer a balance to NatWest).
For more product information or to request an application pack call 0800 096 0220 (Minicom users call 0800 028 5304).
Apply now
Call us on
0800 096 0220
Minicom
0800 028 5304
Lines are open: Mon to Fri 8am-8pm, Sat 9am-6pm
(excl. public holidays).
Calls may be recorded