More than often, the brand you choose for banking services does not necessarily offer credit cards that work for you. This leads to the added inconvenience of looking for another compatible credit card provider.
But Nationwide Bank saves its customers this unnecessary hassle by providing attractive credit card options. With competitive rates and zero foreign transaction charges, the card offers all-rounder benefits to Nationwide customers.
Using a Nationwide credit card will also help you in streamlining your finances in one place. If you’re looking to explore credit card options for yourself, read more on how to request a Nationwide credit card in this article.
Features of the Card
Nationwide’s credit card offering comes with triple-layer benefits that are rarely seen in credit cards.
These 3 winning features of the card are 0% interest on balance transfers and purchases (for a limited period) and zero foreign transaction charges.
Because of these features, the card also gives a tough fight to leading travel credit cards. The interest rates and charges levied after the promotional offer period is over are also quite affordable.
The 24/7 customer support, fraud protection, and technical support only add to the perks of a Nationwide credit card.
How to Apply
You can apply for the Nationwide credit card entirely online, and the process involves the following steps.
- Visit the official Nationwide Bank website and hover your cursor over the credit cards section in the menu.
- Click the ‘New Member Credit Card’ option in the credit cards section.
- You’ll find the ‘Apply’ button on top of the page among several other options.
- Select the offer you wish to apply for out of the two given options- Balance Transfer and All Rounder.
- In the application form, provide basic details like name, contact, member ID, address history, income, etc.
- If your application gets approved, your card will be dispatched by post and will reach you in 10-15 working days.
Interest and Other Charges
You will incur the following interest rates and charges on your Nationwide Credit Card.
- Interest Rate: After the initial offer period of 0% interest, the rates will vary from 15.9% and 19.9% annually depending on your profile.
- Annual Fee: Nil.
- Cash Advance Charges: It is either 2.5% of the amount or £3, whichever is greater.
- Late Payment Charges: £12.
- Balance Transfer Fee: For the first 3 months of account opening, the balance transfer fee is 1.5% of the amount or £5, whichever is more. Afterward, it is 2.4% of the amount or £5, whichever is more.
- Card Replacement fee: Nil.
- Overlimit Fee: Nil.
- Foreign Currency Conversion Fee: Nil.
Nationwide Credit Card is only available to UK residents who are 18 years or more of age. To be a Nationwide cardholder, you need to have a current, savings, or mortgage account with the bank as a pre-requisite.
Moreover, you need a minimum annual income of £5,000 from all sources to be eligible for the card. Kindly note that if you have had a Nationwide card within 12 months preceding the application date, you’ll be ineligible.
For document verification, you’ll need address proof (Utility Bills, Passport, Rental agreements, etc) and a record of the last 3 years of residential status.
As income proof, you might need to produce salary slips, employer details, bank statements, and IT returns of the past two years.
If you want more clarification about any aspect of the credit card, you can directly contact a Nationwide representative using the information mentioned below.
Address: Nationwide Building Society, Nationwide House, Pipers Way Swindon, SN38 1NW
Phone: 0345 600 66 11 (UK), +44 2476 43 89 97 (Abroad)
The lines are open on the following days.
Monday to Friday: 8am – 8pm
Saturday: 8am – 8pm
Sunday: 9am – 5pm
Nationwide customers don’t have to go anywhere else for all their credit needs. Nationwide cards have two lucrative offers that cover most financial requirements you might want in your card.
Since the card is offered by your home bank, the seamless customer support and ease of managing finances is also noteworthy.
Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank’s terms and conditions page before agreeing to anything.