NatWest Premier Reward Debit Card Review 2026

How you earn

Up to £10/month in Rewards (£9 for Direct Debits + £1 app login) plus 1%+ at partner retailers and fee-free spending abroad.

• £9 a month back in Rewards for 2 or more Direct Debits of at least £4.50 each, plus £1 a month for one app login — up to £10 a month against a £2 fee, the strongest Rewards-to-fee ratio in the NatWest range.
• £9/month for 2+ Direct Debits (£4.50+ each).
• £1/month app login.
• At least 1% back in Rewards at partner retailers with the Premier debit card.
• The £1 app-login Reward is removed from 1 October 2026 (the £9 Direct Debit Reward remains). Maximum 1 Reward account in sole name and 1 in joint names.
• 2+ Direct Debits of £4.50+ each for the £9 Reward.
• The £1 app-login Reward disappears on 1 October 2026.

Full Premier Banking service: dedicated Premier managers, 24/7 support, financial planning access.

Using it abroad

No non-sterling transaction fee on purchases.

• No non-sterling transaction fees on Premier debit card purchases abroad (not ATM withdrawals.
• Local fees may apply).
• Converts at the Mastercard exchange rate.

Who can apply

The £24 Reward credit card annual fee is refunded for Premier Reward holders.

• Pay £1,250 a month into an eligible NatWest account.
• Premier criteria: £100,000+ sole income (£120,000 joint) paid into a NatWest account, or £500,000+ NatWest mortgage borrowing, or £100,000+ savings/investments held with NatWest.
• Premier-gated (£100k income / £500k mortgage / £100k held).