What we think of it...

OFFERING up to £20,000 credit and some great introductory offers the Natwest Platinum credit card is the big daddy of Natwest's card family.

You will have to be over 25 and earning at least £25,000 per year to qualify, but if you meet the criteria this is a fantastic card packed full of good deals and cardholder services.

You'll enjoy a calendar-busting thirteen months of zero percent interest on all balance transfers, which means you can flex the plastic now, and pay it off slowly over the coming months.

There's travel accident insurance for you and your family, extended warranties on any household appliances you purchase with the card and online fraud protection too.

If you're flush enough to qualify, the Natwest Platinum credit card with its lower than average APR really would be a useful addition to your wallet.

A little more detail

Rates and Fees

			Special Note..	Any good?
Typical APR		15.9% APR (variable) -	-
Introductory Purchase Rate		0% for 6 months	Payments are applied towards introductory rates first.
Balance Transfer Rate		0% for 13 months	- Must be made within the first 3 months your account is open. - Payments are applied towards introductory rates first. - You cannot transfer balances from other Royal Bank of Scotland group cards.
Balance Transfer Fee		2.9% (£5 minimum)	-
Cash Withdrawal Rate		27.948% p.a. (variable)	-
Cash Withdrawal Fee		3% (£3 minimum)	-
Annual Fee		None	-
Foreign Transaction Fee		2.75%	-

Rewards

			Special Note..	Any good?
Reward Type #1	-	Wine Club Offers	Enjoy special offers and the occasional free gift from the Natwest Wine Club.

Extras

			Special Note..	Any good?
Online Account Management		Yes	You can manage your account online if you have a Natwest current account.
Purchase Protection		Up to £3,500 per item, up to £15,000 per year	-
Extended Warranties		Yes	- Get a free second year's warranty added to the manufacturer's one year warranty on up to 4 household appliances bought with this card. - Cover includes mechanical or electrical breakdown or accidental damage causing a breakdown. - You'll need to register the item within 60 days to be covered.
Internet Fraud Guarantee		Yes	-
Travel Accident Insurance		Up to £250,000	When you buy your travel tickets with the Natwest platinum credit card.
Travel Helpline		Yes	Get advice and help with medical and legal emergencies whilst abroad. - Up to £500 for emergency medical treatment overseas - Natwest may also be able to arrange a local legal consultation and may be able to pay for the first hour. - Emergency 3 month loan of up to £250 available.
Other Extras		Natwest Secure	-
Optional Extras	-	- Natwest Card Protection - Payment Protection	These are not free services, but are available for this card.

Payments

			Special Note..	Any good?
Credit Limit		£300 - £20,000.00	-
Interest Free Period		Up to 56 days	There is no interest free period on cash withdrawals, money transfers, or balance transfers not in the introductory period.
Minimum Monthly Payment		2.25% (£5 minimum)	-
Allocation of Payments		Interest » Fees » Introductory rates » Purchases » Balance transfers » Cash withdrawals » Money transfers » Cheques	-
Default Charges		£12	- Late payments: £12 - Returned payments: £10 - Exceed credit limit: £12
Copy of Statement Fee		£3	-

Card Details

			Special Note..	Any good?
Online Application	-	Yes	Instant decision in most cases. Remember: always ensure you meet the application requirements before applying, as getting rejected can affect your credit score.
Card Type		Platinum	-
Payment Company		MasterCard	-
Card Issuer		Natwest	-
Card Advertiser		Natwest	-

At a Glance

Typical APR	15.9% APR
Credit limit	£300 to £20,000
Intro purchases	0% for 6 months
Balance transfer	0% for 13 months (2.9% transfer fee - £5 min)
Interest free period	Up to 56 days
Annual fee	£0

	This card includes:
	Online Account Management
	Purchase Protection Insurance
	Internet Fraud Guarantee
	Travel Accident Insurance
	It is best suited for:
	High earners (£25,000+) who want to take advantage of 0% offers for purchases and / or balance transfers, or for general spending with added purchase securities and fraud protection.
	Wait! Only apply if you are...
Aged 25 or over UK or Channel Island resident Earn at least £25,000 a year

More about this card...

As a platinum card, the Natwest Platinum credit card is only available to those over 25 and earning at least £25,000 per annum.

The benefits of the card, however, are fantastic.

On top of the maximum £20,000 credit you could be given (subject to status), you can also enjoy a very lengthy 0% introductory period for balance transfers, as well as a shorter 6-month interest freee period for purchases.

A great time to make big purchases
If you are planning to make a large purchase, this card is perfect.

It offers you a full 6 months of zero percent interest.

Naturally, to get the most out of the card, you should pay it back in full before the introductory period expires. This is particularly important if you are making use of the balance transfer facility too, as you will not be able to pay off any outstanding balances on purchases until your balance transfer has been paid off in full.

Transfer outstanding balances and save
If you are already shelling out hefty interest fees on another card, you could transfer your balance across to the Natwest Platinum credit card and enjoy a 0% interest rate for a very generous 13 months.

There is a 2.9% handling fee for balance transfers.

While the APR on this card is lower than most of its competitors, you should be sure to try and pay the balance off before the end of the introductory period, or be prepared to transfer again.

Free extended warranty for your appliances
A fantastic little extra available to Natwest Platinum credit card holders is the free extended warranty available for up to 4 household appliances purchased with this card.

The extended warranty is a second year warranty added to the manufacturer's standard one year warranty. It will cover your household appliance against mechanical or electrical breakdown or accidental damage causing a breakdown.

You will need to register the item within 60 days to be covered, and the service is limited to 4 household appliances.

Final word
While we would love to see a longer period of zero percent for purchases, we think that everything else offered by the Natwest Platinum credit card more than makes up for it.

If you fit the minimum criteria for consideration, we can think of few other cards that offer as much as this one.