Student credit card

The credit card created to help with student finances

Representative 18.9% APR (variable)

It’s tough balancing student finances. Think of this as a safety net

No annual fee
Up to 56 days interest-free on purchases
Helps build a credit profile for future borrowing
Maximum credit limit of £500
 

Use our eligibility checker to see whether you'll be accepted for this credit card. It takes just 2 minutes and it won't affect your credit rating.

Representative example

Purchase rate

18.9%
p.a (variable)

Representative APR

18.9%
(variable)

Assumed credit limit

£500

Annual fee

£0

The representative example is a tool that all lenders use to help you compare the cost of borrowing in one handy format.

 

purchase rate is the interest rate charged when buying most goods or services on a credit card. If you pay off the full card balance each month, you will not be charged interest on purchases.

The Representative APR is the annual percentage rate that’s used to indicate the full cost of borrowing from us. This includes any up-front fees spread over a year.

The assumed credit limit is a guide limit we need to quote when we’re explaining the typical costs within the representative example. We have to use £500 - the maximum limit on the Student credit card - but the actual credit limit you receive will depend on your circumstances.

The annual fee simply confirms the fee you’ll pay annually as part of your agreement with us. With our Student credit card, there's no annual fee. Nice and simple.

We treat all applications on an individual basis, so the purchase rate and APR you get is determined by your own circumstances and credit history. Most successful applicants will receive the Representative APR displayed.

This card in detail...

Benefits

No annual fee

We wanted to keep the overheads as low as possible for you, so there's no annual fee with our Student credit card.

Build your credit rating

Providing you keep up to date with your payments, you could begin to build your credit rating which can be helpful further down the line if you are looking for a loan or mortgage.

Features

Manage your card 24/7

Managing your credit card is easy with our award-winning mobile app.

Manage your card 24/7

Want to make a purchase on your card but not sure if you’ve got available credit? Just go online or use our mobile app and you can check your balance in seconds. You can also view all your transactions, see pending transactions, make payments to your card and much more.

What you should know

App available to Online Banking customers with a UK or international mobile number in specific countries. Voted 'Best Banking App' in British Bank Awards 2018.

Apple Pay and Contactless

These are two convenient ways to pay using a Student credit card.

Apple Pay and Contactless

Apple Pay allows you to make a contactless payment in shops, because all your card details are securely stored within an Apple device. You simply touch your Apple device to the card reader and hey presto! Payment made.

Learn more about Apple Pay

Remember, all our credit cards are contactless too. It’s a super quick and no-fuss way to pay for items of £30 or less.

What you should know

Apple Pay is available on selected Apple devices.

Spread the cost of your purchase

Need to buy something quite expensive and you don't want the money to come out of your current account? A credit card is a good way to spread the cost.

Spread the cost of your purchase

Like most UK credit cards, our range of cards offer 56 days interest free credit on purchases if you pay your balance (and your previous month's balance) in full and on time each month. That means if you want to make a big purchase, for example plane tickets or a new sofa, a credit card could be a good way to help you buy now and spread the cost. 

Costs

Paying your credit card

There are a number of convenient ways you can make a payment to your card.

Paying your credit card

There are several ways you can pay your credit card. The most common is setting up a Direct Debit. We'll set this up as part of your application, and the payment will be taken automatically each month. You can choose to pay the minimum amount, a fixed amount or your full credit balance every month.

You can also make a payment in the mobile app or online banking.

Our repayment calculator will show you how much faster you might be able to clear your credit card balance if you pay more than the minimum amount.

Use our repayment calculator

What you should know

If you set up a Direct Debit for the minimum or fixed amount, the payment is claimed 25 calendar days from the statement date, or shortly afterwards.If you set up a Direct Debit for the full credit card balance, the payment is claimed 15 calendar days from the statement date, or shortly afterwards.

Other charges or fees

Some other important details you should be aware of.

Other charges or fees

Late paying

If you’re late paying, we’ll charge you a fee of £12. That’s why setting up a Direct Debit makes sense – you’ll never be late paying again. We get that little mistakes are easy to make, so if you miss your payment due date by just one day, we won't charge you the late payment fee.

Over your limit

If you go over your limit we’ll charge you a fee of £12. If you only go over your limit by £12 or less, we won’t charge you. A good way to avoid going over your limit is to log onto online banking or fire up our mobile app and check your balance before you make your next card purchase.

For full details of fees, please see the Summary Box in the Ready to apply section below.

How to apply online

What you'll need

We'll ask where you've lived for the last 3 years, as well as information about your bank account and the course you're doing.

How long will it take?

The application takes around 10 minutes and you'll know whether you've been accepted or not within 5 minutes.

When will I get my card?

If your application is successful, your card should arrive within 5-7 working days.

Ready to apply?

Great. Let's get started. Are you a...

Do you have a NatWest Student current account?

Do you have NatWest online banking?

As we already know a bit about you, applying for a Student credit card should be pretty easy as we can pre-fill in a lot of your application.

What you'll need

Your address details for the last 3 years

Your course details

Your bank account details

Now for the important legal stuff

To apply, you must be

Aged 18+

A UK resident

A NatWest Student current account holder

Important information

Please take some time to review, print and/or save the important information. By clicking that you’re ready to continue, you are confirming that you have been provided with, and have acknowledged our important documents.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

Are you ready to continue?

Great! Looks like you're all set and ready to go.

What you'll need

Your address details for the last 3 years

Your course details

Your bank account details

Now for the important legal stuff

To apply, you must be

Aged 18+

A UK resident

A NatWest Student current account holder

Important information

Please take some time to review, print and/or save the important information. By clicking that you’re ready to continue, you are confirming that you have been provided with, and have acknowledged our important documents.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

Are you ready to continue?

Great! Looks like you're all set and ready to go.

Sorry, you need a NatWest Student current account

Our Student credit card is for customers who already have a Student current account with us. Want to take a look?

Sorry, you need a NatWest Student current account

Our Student credit card is for customers who already have a Student current account with us. Want to take a look?

Something else we can help you with?