NatWest Black Mastercard (UK): Sab kuch jo aapko jaan na hai!

# NatWest Black Mastercard (UK): Sab kuch jo aapko jaan na hai!

Agar aap ek premium credit card dhoondh rahe hain jo travel ke saath-saath rewards bhi deta hai, toh NatWest Black Mastercard (UK) ek shandaar option ho sakta hai. Yeh card nahi sirf style aur convenience deta hai, balki aapke har kharch pe rewards bhi dilata hai, khaas kar agar aap abroad travel karte hain. Is article mein hum aapko is card ke baare mein sab kuch batayenge – iske features, benefits, kaise apply karna hai, aur eligibility criteria bhi. To chaliye, shuru karte hain!

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## NatWest Black Mastercard Kya Hai?

NatWest Black Mastercard, ek premium credit card hai jo NatWest bank ke dwara offer kiya jata hai. Yeh card un logon ke liye perfect hai jo frequently travel karte hain aur apne kharch pe rewards earn karna chahte hain. No foreign transaction fees aur flexible reward points is card ko ek unique choice banate hain. Iske saath hi, yeh card Mastercard network pe chalta hai, jo worldwide 50 million se zyada locations pe accept kiya jata hai.[](https://www.finder.com/uk/credit-cards/natwest/natwest-reward-black-credit-card)

### Key Features of NatWest Black Mastercard

- **No Foreign Transaction Fees**: Abroad shopping ya payments pe koi extra fee nahi.

- **Reward Points**: Har purchase pe rewards earn karo – 1% back at supermarkets, 0.5% at petrol stations, aur 1-15% at selected retailers.

- **High Credit Limit**: Minimum £5000 ka credit limit, jo aapke financial needs ke hisaab se adjust ho sakta hai.

- **Mobile App Management**: NatWest mobile app se aap apna card balance, transactions, aur rewards ko easily manage kar sakte hain.

- **Priority Customer Service**: 24/7 helpline jahan Reward Black customers ke calls ko priority di jati hai.[](https://www.natwest.com/credit-cards/reward-black-credit-card.html)

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## Why Choose NatWest Black Mastercard?

Yeh card unke liye hai jo ek premium experience chahte hain. Agar aap abroad travel karte hain ya high-end shopping enjoy karte hain, yeh card aapko rewards ke saath convenience bhi deta hai. Plus, agar aap NatWest Reward Black Current Account holder hain, toh is card ka £84 annual fee bhi waive ho jata hai

### Benefits of NatWest Black Mastercard

- **Travel-Friendly**: No foreign transaction fees ka matlab hai aapko international purchases pe extra cost nahi dena padega.

- **Flexible Rewards**: Rewards ko cash, vouchers, ya charitable donations ke roop mein redeem kar sakte ho.

- **Secure Transactions**: NatWest ki Fraud Promise aur 24/7 monitoring aapke paise ko safe rakhti hai.

- **Contactless Payments**: Quick aur secure payments ke liye contactless feature available hai.

- **Up to 56 Days Interest-Free**: Agar aap har mahine balance clear karte hain, toh purchases pe interest nahi lagega.[](https://www.natwest.com/credit-cards/reward-black-credit-card.html)[](https://www.finder.com/uk/credit-cards/natwest/natwest-reward-black-credit-card)

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## NatWest Black Mastercard Ke Liye Kaise Apply Karein?

NatWest Black Mastercard ke liye apply karna simple aur straightforward hai. Aap online ya NatWest mobile app ke through apply kar sakte hain. Yahan step-by-step process hai:

1. **Eligibility Check**: NatWest website ya app pe jao aur eligibility checker use karo. Yeh soft check hai, jo aapke credit score pe koi asar nahi dalta.

2. **Application Form Bharo**: Personal details, income, aur financial information provide karo.

3. **Credit Assessment**: NatWest aapki application review karega aur aapko indicative credit limit batayega.

4. **Approval aur Card Delivery**: Agar approve ho jata hai, toh card 7-14 din mein aapke address pe deliver ho jayega.[](https://wise.com/gb/blog/natwest-reward-credit-card)

**Pro Tip**: Application ke time pe direct debit set karo taaki late payment fees aur credit score damage se bacha ja sake.[](https://www.finder.com/uk/credit-cards/natwest/natwest-reward-black-credit-card)

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## Important Documents for Applying

NatWest Black Mastercard ke liye apply karte time aapko kuch basic documents aur details ready rakhne honge:

- **Identity Proof**: Passport, Driving License, ya koi government-issued ID.

- **Address Proof**: Utility bill, bank statement, ya council tax bill (last 3 months ka).

- **Income Proof**: Payslips, tax returns, ya bank statements jo aapki income dikha sakein.

- **Existing NatWest Account Details (Optional)**: Agar aap NatWest customer hain, toh account number ya login details handy rakhein.

Yeh documents digitally upload kiye ja sakte hain during the online application process.

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## Eligibility Criteria for NatWest Black Mastercard

NatWest Black Mastercard ke liye eligible hone ke liye aapko kuch specific criteria meet karne honge:

- **Age**: Aapki umar 18 saal se zyada honi chahiye.

- **Residency**: Aap mainland UK resident hone chahiye.

- **Income**: Minimum £15,000 per year ki income honi chahiye.

- **Credit Score**: Aapka credit score achha hona chahiye, kyunki NatWest credit assessment karta hai.

- **Existing NatWest Customer (Optional)**: Reward Black Current Account holders ko annual fee waive milta hai, lekin yeh mandatory nahi hai.[](https://forums.moneysavingexpert.com/discussion/5504408/how-easy-is-the-natwest-black-mastercard-to-get)

**Note**: Eligibility check ke baad bhi final approval aapke credit history aur financial status pe depend karta hai.[](https://www.finder.com/uk/credit-cards/natwest)

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## Additional Perks & Things to Know

### Reward Redemption

- NatWest Rewards ko aap cash, e-gift cards, ya charitable donations ke roop mein redeem kar sakte hain.

- £10 Rewards = 1170 Avios points (for travel lovers, yeh ek great deal hai!).

- MyRewards hub pe aap apne personalized offers dekh sakte hain.[](https://www.headforpoints.com/forums/topic/natwest-reward-black/)

### Annual Fee

- Card ka annual fee £84 hai, lekin Reward Black Current Account holders ke liye yeh waive ho jata hai.

- Agar aap high-spender hain aur rewards earn karte hain, toh yeh fee easily cover ho sakti hai.[](https://www.thepointcalculator.com/gb/travel/natwest/natwest-reward-black-credit-card)

### Limitations

- **No Airport Lounge Access**: Yeh card airport lounge access offer nahi karta (lekin Reward Black Current Account karta hai).

- **Cash Withdrawal Fees**: Overseas ya domestic ATMs se cash nikalne pe 3% fee lagta hai.[](https://www.natwest.com/credit-cards/reward-black-credit-card.html)

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## FAQs About NatWest Black Mastercard

**Q1: Kya NatWest Black Mastercard ke liye existing NatWest customer hona zaroori hai?**  

**A**: Nahi, aapko NatWest customer hona zaroori nahi hai, lekin agar aap Reward Black Current Account holder hain, toh annual fee waive ho jata hai.[](https://www.finder.com/uk/credit-cards/natwest)

**Q2: Kya yeh card abroad use karne ke liye achha hai?**  

**A**: Haan, bilkul! No foreign transaction fees aur 0.5% rewards on all purchases is card ko travel-friendly banate hain.[](https://www.thepointcalculator.com/gb/travel/natwest/natwest-reward-black-credit-card)

**Q3: Rewards kaise redeem kar sakte hain?**  

**A**: Aap NatWest mobile app ya MyRewards hub ke through rewards ko cash, vouchers, ya donations ke roop mein redeem kar sakte hain. Check your email for e-gift card codes.[](https://www.natwest.com/myrewards/partner-retailers.html)

**Q4: Kya yeh card high spenders ke liye suitable hai?**  

**A**: Ji haan, high credit limit aur 1-15% rewards at selected retailers is card ko high spenders ke liye ideal banate hain, khaas kar agar aap annual fee waive karwa sakte hain.[](https://www.finder.com/uk/credit-cards/natwest/natwest-reward-black-credit-card)

**Q5: Application process kitna time leta hai?**  

**A**: Application process generally 9 working days tak le sakta hai, aur card delivery mein 7-14 din aur lagte hain.[](https://wise.com/gb/blog/natwest-reward-credit-card)

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## Why This Card Stands Out?

NatWest Black Mastercard ek aisa card hai jo style, rewards, aur practicality ka perfect balance deta hai. Agar aap ek frequent traveler hain ya premium banking experience chahte hain, toh yeh card aapke liye ek great choice ho sakta hai. Iski no foreign transaction fees aur flexible rewards system isko market mein unique banata hai. Bas yeh dhyan rakhein ki agar aap balance carry karte hain, toh interest charges rewards ke benefits ko outweigh kar sakte hain. So, always aim to clear your balance every month

Toh, kya aap NatWest Black Mastercard ke liye ready hain? Abhi NatWest website ya mobile app pe jaayein, eligibility check karein, aur apna application start karein. Koi sawal ho toh comment section mein poochiye, aur hum aapki help karenge!

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**Disclaimer**: Fees, rewards, aur eligibility criteria time-to-time change ho sakte hain. Latest information ke liye NatWest ki official website check karein.[](https://www.finder.com/uk/credit-cards/natwest)