The NatWest Credit Card has already proven to be a smart choice in our previous article.
We explored its standout benefits, how it fits seamlessly into everyday life, and why it’s a strong, evergreen financial tool.
Now it’s time for the next step.
Once you’re convinced a product is right for you, the natural question is: how do I get it?
But here’s the truth—getting approved for a credit card takes more than just clicking a button.
It’s about preparation, timing, and understanding exactly what the issuer is looking for.
This article gets straight to the point.
Because you don’t just want to apply. You want to increase your chances of getting approved. And ideally, you want to get that approval fast.
Here, you’ll find the strategies that make the difference.
The information that helps you stand out.
And the roadmap from interest to ownership.
Everything starts with knowledge.
Then comes preparation.
And finally, the application itself.
Three steps. One result. A powerful credit card in your hands with no annual fee, low interest rates, and no foreign transaction charges.
Yes, the NatWest card is still amazing. But now we open the door on how to get it.
Understanding the process is the first sign of financial maturity.
And when it comes to credit, maturity means power.
Let’s unlock it.
Open the Gates: How to Maximize Your Approval Odds
Before you hit “apply,” there are several ways to strengthen your profile and improve your chances of getting a “yes.” Consider these smart strategies:
- Keep your credit report clean and free from defaults or missed payments.
- Always pay your bills on time to build a solid payment history.
- Use only a portion of your available credit across other cards—ideally under 30%.
- Make sure your income is consistent and verifiable, even if you’re self-employed.
- Update your details with your bank and credit reference agencies.
- Avoid applying for multiple cards at once—it can negatively affect your credit score.
- Register on the UK electoral roll to help verify your address.
- Show residential and employment stability—lenders prefer predictable profiles.
- Having an active NatWest account is not mandatory but may improve your chances.
- Use the NatWest eligibility checker online to see if you’re likely to be approved.
Step-By-Step: How To Apply For Your NatWest Credit Card
When you’re ready to move forward, it’s crucial to follow the correct process, paying attention to details that could make or break your approval. Here’s the full guide, broken into steps and helpful subpoints.
1. Gather the Right Information
Start by preparing the essential personal and financial details:
- Full legal name
- Date of birth
- UK address history (last 3 years)
- Employment details (status, duration, income)
- Monthly expenses (rent/mortgage, bills, debts)
2. Check Your Eligibility First
Before a formal application, visit the NatWest website and use the eligibility checker:
- It performs a soft search (won’t affect your credit score)
- Gives you a likelihood rating
- Lets you apply with more confidence
3. Apply Online Through the Official NatWest Website
Once you’re eligible, proceed with the official application:
- Fill out the online form accurately
- Double-check spelling and numbers—errors can lead to delays or rejections
- Be honest with all financial disclosures
- Review all terms and conditions before submitting
4. Wait For The Credit Decision
After submission:
- In most cases, you’ll receive an instant decision
- Sometimes NatWest may request extra documentation (proof of ID, income, or address)
- If so, respond promptly via the secure upload tool or by mail
5. Card Approval And Activation
If approved:
- Your card will be sent by mail within a few business days
- You’ll receive instructions on how to activate it
- Activation can be done online, via phone, or through the NatWest app
6. Set Up Your Online Access And App
Managing your card is easiest through the mobile app:
- Download the NatWest app
- Link your new credit card
- Enable notifications for spending, payment reminders, and fraud alerts
7. Make Your First Purchase Or Balance Transfer
You can now use the card anywhere Mastercard® is accepted:
- In-store or online
- Locally or internationally (no foreign transaction fees)
- You may also initiate a balance transfer to consolidate debts at a lower interest
By clicking the button you will be redirected to another website.
Your Credit Confidence Starts Here
Applying for a credit card should never feel like a leap in the dark. With the right preparation and steps, the NatWest credit card becomes more than accessible—it becomes part of your financial toolbox. A tool you understand. A tool you’re ready for. And one that can work for you every single day.
Smart credit use begins with smart credit access.
And now, you’re equipped for both.
Frequently Asked Questions
1. Do I need to be a NatWest customer to apply?
No, but having an account may improve your chances of approval.
2. What credit score is required for approval?
A fair to good credit score is typically needed, though other factors are considered.
3. Is there a minimum income requirement?
There’s no official minimum, but stable income is essential.
4. Does NatWest charge a foreign transaction fee?
No, there are no foreign transaction fees with this credit card.
5. What is the current interest rate?
12.9% APR (variable) for both purchases and balance transfers.
6. Can I transfer a balance from another card?
Yes, balance transfers are allowed at the same low APR.
7. Will applying affect my credit score?
Using the eligibility checker will not. A full application involves a hard search.
8. How long does it take to receive the card?
Usually within 5–7 business days after approval.
9. Can I manage the card from my phone?
Yes, via the NatWest mobile app.
10. Is there a cash advance option?
Yes, but fees and higher interest may apply.
11. How do I activate my card?
Through the app, online banking, or by phone.
12. What if my application is declined?
You’ll receive a reason and can improve your profile before reapplying.
13. Can I increase my credit limit later?
Yes, after some time and responsible use, you can request a limit increase.
14. Is the interest rate fixed?
No, it’s variable and may change with market conditions.
15. Can I cancel the card at any time?
Yes, with no penalty or cancellation fee.
16. Is there a grace period for purchases?
Yes, if you pay your full balance each month, you won’t be charged interest on new purchases.
17. Can I use the card abroad without informing the bank?
Yes, it works internationally without needing prior notice.
18. Does the card come with fraud protection?
Yes, Mastercard’s global security and NatWest’s fraud monitoring are included.
19. Can I set spending limits or alerts?
Yes, these can be configured through the mobile app.
20. Is there customer service support?
Yes, available via phone, online chat, or through the mobile app.
