Newest Review: ... card as at the age of 18 I needed to build up a credit history / credit score. This differs from most other cards that I have taken out, wh... more
NatWest Black Card credit card - find of the decade!
Natwest Credit Cards
Author Name: Kathleen Richmond
Natwest Credit Cards
Advantages: Top end travel insurance
You can get this either as part of a Black Card account (which is top-end Private Banking) or as a stand-alone in addition to your Nat West (or, I presume, RBS) account. For either, you need either a high income or investments with the bank to the value of c.£70,000. I pay an annual fee for the card and wouldn't be without it. The main draw is the travel insurance, which is not age or condition related and covers you and up to five people travelling with you. It gives worldwide, year round cover, includes winter sports and covers trips up to 90 days at a time. Once you're on it, you're not barred by age, so it's one of the very few on the market that's good for the 'silver traveller'. The Black Card account travel insurance is not quite as good as the stand-alone Black credit card because there are some exclusions (e.g. you have to declare existing conditions and meds before you travel) so I chose the credit card, which doesn't ask for any of this. I've claimed three times on this insurance and got my money within days - paid directly into my account. I REALLY CAN'T RECOMMEND THIS ENOUGH. The other main benefit is the household emergency insurance, which covers your heating, electricity, water etc. I've used this and they did pay up. The airport pass is OK but only gives access to the basic lounge, not the posh executive ones with spas etc. Still better than nothing but I wouldn't get the Black Card just for this. You've also got roadside assistance, which will save you a bit. The Black Card admin dept is excellent - you get straight through and it's not Delhi on the other end. I've not really used the 'Personal Assistant' service so can't comment.
Summary: If you're a serious traveller, this is money well spent
More reviews in the field of Credit Card
- Earn money by shopping at SOME of your favourite places
- Use it to your Advantage
- Superdrug BeautyCard
- Advantage points make freebies!
- Every little 0% helps!
- Turn your everyday shopping to your advantage..
- Best friend to your purse and best friend to your body!
- Money when you need it
- Handy reward card