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Forums Payment cards Other payment cards NatWest Reward Black – any experience?

  • Maples 159 posts

    Has anyone had this card or can share general experiences/thoughts about it?

    It’s got an annual fee of £84 and offers NatWest points or £ but you can actually transfer the points over to Avios or Emirates Skywards. 1% back at supermarkets or 0.5% everywhere, and no foreign transaction fees.

    £10 converts to 1170 Avios.
    £20 converts to 2350 Avios.
    £50 converts to 5870 Avios.

    No lounge benefits and whatnot but it seems decent because of no FTF.

    Richie 881 posts

    You get the £10 to 1170 avios with a no fee account.

    PIL 98 posts

    There is a Natwest reward card that you have the annual fee refunded with 0.25% cashback everywhere and 1% at supermarkets (but foreign transactions fees are charged). The same offer for conversion exists with natwest reward current accounts also

    zapato1060 553 posts

    You get the £10 to 1170 avios with a no fee account.

    I see a £2 monthly fee even on the lowest tier?

    Richie 881 posts

    You get the £10 to 1170 avios with a no fee account.

    I see a £2 monthly fee even on the lowest tier?

    Apologies, must’ve missed that.

    rwp88 12 posts

    I’ve been a NatWest Black account holder for a number of years now so can add some context – there are actually two things at play here, the Reward Black current account (monthly fee of £31) and the Reward Black credit card (annual fee of £84, but refunded if you are a Reward Black current account holder, so effectively free).

    The combination of the two is good – the current account offers airport lounge access (Dragonpass), concierge, mobile phone insurance, travel insurance, home emergency cover and more. You can easily earn back £10 in Rewards straight away just for having active DDs and logging into the app, so that immediately reduces the monthly fee.

    The main perk of the CC is 0% foreign transaction fees and contributing to Rewards with cashback. I have earned close to £3k in Rewards since opening the accounts, and this is not my primary card as I use Amex Plat for that, so this is generally just used where Amex is not accepted.

    In many ways I’m doubling up benefits (Dragonpass/Priority Pass, travel insurance x 2, etc) but currently I am still keeping both. If anything, the NatWest package offers better value and I’d be more sensible downgrading Plat for BAPP or similar.

    Tracey 240 posts

    I’ve been a NatWest Black account holder for a number of years now so can add some context – there are actually two things at play here, the Reward Black current account (monthly fee of £31) and the Reward Black credit card (annual fee of £84, but refunded if you are a Reward Black current account holder, so effectively free).

    The combination of the two is good – the current account offers airport lounge access (Dragonpass), concierge, mobile phone insurance, travel insurance, home emergency cover and more. You can easily earn back £10 in Rewards straight away just for having active DDs and logging into the app, so that immediately reduces the monthly fee.

    The main perk of the CC is 0% foreign transaction fees and contributing to Rewards with cashback. I have earned close to £3k in Rewards since opening the accounts, and this is not my primary card as I use Amex Plat for that, so this is generally just used where Amex is not accepted.

    In many ways I’m doubling up benefits (Dragonpass/Priority Pass, travel insurance x 2, etc) but currently I am still keeping both. If anything, the NatWest package offers better value and I’d be more sensible downgrading Plat for BAPP or similar.

    Have the same and agree that it is good value. I have had to claim on the travel insurance while abroad and the service was good. Also claimed for a blocked drain and that was efficient. I think that the concierge has now been removed.

    rwp88 12 posts

    I still get offers through from the concierge – in experience it is much better than Amex plat and they are actually happy to book restaurants for you (and will even do it via an email request).

    I’ve also claimed through the travel insurance and was impressed. Forgot to mention, I’ve used home emergency cover a couple of times (blocked drain, broken lock on door) and they have sent people within a couple of hours, even on a Sunday, and there’s no excess!

    rwp88 12 posts

    Forgot to add – one of the best hidden perks is when you use the travel booking service to book airport parking. There is a feature where you can get a free upgrade to ‘meet and greet’ parking for the same price as off-site/park and ride type parkings. I’ve regularly save £80-100 on getting an upgrade to meet and greet at T5 v.s equivalent cost of purple parking. Great perk!

    BBbetter 455 posts

    The combination of the two is good – the current account offers airport lounge access (Dragonpass)

    Do they offer lounge access for joint account holders or supplementary card holders?
    For any family that has more than 2 people, most lounge schemes are useless. Amex plat becomes the default (and fairly expensive) option.

    polly 289 posts

    @rwp8
    Can you get a supplementary card for lounges? Is there a fee? Forex very good option.

    Gary 291 posts

    Priority Pass is a benefit of the account (not the credit card). An extra Priority Pass would be issued to the joint account holder, but no +1 allowed unless paying the entrance fee (unlike Amex Plat).

    As others mentioned, converting the rewards to Avios has recently stopped. Not sure if it will come back.

    BBbetter 455 posts

    Is it not dragonpass?

    rwp88 12 posts

    Yeah it’s definitely DragonPass not Priority Pass.

    If it’s a joint account, you’ll get a DragonPass each.

    But there’s no +1 like with Amex Plat, so you have to pay £20 per guest.

    Gary 291 posts

    My bad. DragonPass indeed!

    sussexsb 6 posts

    Bad news confirmed today in Nat West email. Travel service is stopping , which for HfPers, no more upgrade on airport parking to meet and greet (01/03/24 onwards). Pretty well hidden.

    https://www.natwest.com/content/dam/natwest/personal/permanent/current-accounts/documents/december-2023-nov/NatWest_Black_Account_Generic_NoV_Dec2023.pdf.coredownload.pdf

    http://www.natwest.com/changes-black-account

    Maples 159 posts

    Following the post made by @Stu_N in the latest article, Avios vouchers are back, but the value you gain is lower.

    900 Avios for £10
    1800 Avios for £20
    4500 Avios for £50

    I’m glad it’s still here since I can use the card abroad without fees, and I can convert the cashback, but it’s quite annoying that it’s been reduced or that there’s no bonus for higher redemptions.

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