- Enjoy an offer on both purchases and balance transfers.
- No wonder it's our most popular credit card.
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Purchase & Balance Transfer card
Our Purchase & Balance Transfer card
Representative 24.9% APR (variable)
Available to UK residents, aged 18+ and earning at least £10K per year
0% interest for up to 20 months on purchases
- The 0% interest purchase period starts from when you open your credit card account.
- After the offer period ends, standard variable rates will apply on any new purchases and you'll need to pay interest on any remaining balance.
- Make purchases worldwide at Mastercard® locations, in-store and online.
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0% interest for up to 18 months on balance transfers
- 0% interest for up to 18 months from account opening on balance transfers made within the first 3 months, after which standard variable rates apply on any remaining balance.
- 2.99% balance transfer fee applies. No annual fee.
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What you should know about balance transfers
- You can transfer a balance (move debt) from most other credit cards or store cards to your NatWest credit card. Some exclusions apply. You can't move debt from a loan or overdraft.
- You can’t move debt from another NatWest Group credit card. See all NatWest Group credit cards.
- You must transfer at least £100. The most you can transfer is up to 95% of your credit limit.
warning Message
Your actual credit limit and APR may vary depending on our credit assessment of you.
You may receive higher than our standard purchase and balance transfer rate of 24.9% p.a. (variable) upon application - up to 29.9% p.a. (variable). You may receive a shorter 0% interest period on purchases than our standard period of up to 20 months – our shortest period is 12 months. You may receive a shorter 0% interest period on balance transfers than our standard period of up to 18 months - our shortest period is 12 months. Interest on fees and charges is payable in line with our terms and conditions. See the Summary Box page for more details.
Check your eligibility
We'll tell you if you'll be approved for this card and your indicative credit limit at the start of your application, with no impact on your credit score.
Purchase & Balance Transfer card
Longer Balance Transfer card
Balance Transfer credit card
18 months
31 months
12 months
20 months
Cost to transfer
Cost to transfer
£134.55
Cost to transfer
£157.05
Cost to transfer
£0.00
£5,085.36
£4,678.03
£5,329.52
Longer Balance Transfer card
Representative example:
Purchase rate: 24.9% p.a (variable)
Representative APR: 24.9% (variable)
Assumed credit limit: £1200
Annual fee: £0
Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.
Information Message
Balance Transfer credit card
Representative example:
Purchase rate: 24.9% p.a (variable)
Representative APR: 24.9% (variable)
Assumed credit limit: £1200
Annual fee: £0
Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.
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Would this card work for you?
Everyone has different circumstances and priorities. Here are a couple of ways a Purchase and Balance Transfer credit card could be a good fit for you.
You like to track your spending on the go
Keep track of your balance and payments in one place, giving you the freedom to manage your money in a way that works for you. Mobile App eligibility criteria applies.
Managing your Purchase & Balance Transfer credit card
First, please read this important info
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