NatWest Student credit card review

2 min Read Published: 11 Nov 2020

NatWest Student credit card reviewThe NatWest Student credit, like other student credit cards, is designed for applicants over the age of 18 who are in full-time study or have a confirmed place at a college or university. It offers a low credit limit but allows cardholders to improve their credit rating over time

Key facts about the NatWest Student credit card

  • Best for: Those looking to build a good credit record to facilitate future borrowing
  • Introductory offer: No introductory offer
  • Representative APR: 18.9% variable
  • Fees: No annual fee
  • Perks: No specific perks

Pros of the NatWest Student credit card

  • The low credit limit of between £250-£500 minimises the problems you could encounter if you struggle to manage the card responsibly
  • It has an eligibility checker, so you can find out if you are likely to be accepted without it featuring on your credit file
  • As it is designed for students, you are likely to be accepted even if you have a poor credit rating
  • Purchases are interest-free for 56 days if you pay the balance off in full each month

Cons of the NatWest Student credit card

  • You have to have a NatWest current account to apply for the card
  • The low credit limit may be frustrating if you're looking to make bigger purchases

How to manage your payments on the NatWest Student credit card

Cardholders can manage their accounts online or on the mobile app

How to apply for the NatWest Student credit card

The first step is to use the online eligibility checker to see if you are likely to be accepted

Alternatives to the NatWest Student credit card

TSB Student credit card

HSBC Student credit card 

Royal Bank Student credit card

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