Pay less interest

0%

On balance transfers for 27 months from account opening1 with no balance transfer fee

0%

On purchases for 3 months from account opening

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No monthly fee

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Up to 56 days interest free credit on purchases when you pay your balance in full and on time each month.

Introductory offers – at the end of the 0% period, a 3% balance transfer fee will apply to any new balances transferred. Interest will be charged on new purchases and any outstanding balance transfer and purchase balances at the standard purchase rate of 18.9% p.a. (variable).

Representative example

18.9% p.a. (variable) on card purchases. This is equivalent to 18.9% APR representative (variable) based on an assumed credit limit of £1,200.

Before applying for this product you should consider any future changes to your financial circumstances that may impact your ability to make repayments.

We offer a range of credit cards. Find out more 

Important information

Paper-free credit cards: Receive your statements, letters and other important information online.

When applying online for a new account, we will arrange for your statements (e.g. your monthly and annual statements), letters and other important information (e.g. any important messages about your account such as changes to your terms and conditions, regulatory notices, certain arrears notices, missed payments and updates about the services on your account) to be stored securely within Online Banking.

To view, print and download your e-Documents simply log on to Santander Online Banking and select “e-Documents” from the left-hand menu. We will usually send you an email when there is a document ready to be viewed.

Once your account is open, if you’d prefer to receive your documents by post, you can update your account settings at any time via Santander Online Banking, visiting a Branch or calling us.

If you want more information on paper-free, or you don’t want to receive your documents this way then contact us.

Credit limit preferences

As part of your application you can decide how you want us to implement any future increases to your credit limit. You’ll be given the following choices:

  • Automatically increase my credit limit – we’ll let you know before the changes are made and give you time to decline the increase if you want to, or
  • Send me details and let me decide – you’ll need to contact us if you want to accept the increase.

You can change your preference any time by calling 0800 9 123 123 or visiting your local branch 

Terms and Conditions

Important contractual information is included in documents which can be accessed via the links below. We advise that you should read and consider these documents before proceeding with your application. You should print or save copies of these documents for further reference and records. If there are any questions you have regarding the agreement or you require further information please contact us.

To view these documents, you may need to download Adobe Reader.

Pre-Contractual Explanation

We've provided a summary below of the important information that's contained in the Pre-Contractual Explanation. The full version of this can be found in the Everyday Credit Card Key Facts Document which can be accessed via the link above. You should also read this before you apply.

Is a credit card right for my borrowing needs?

A credit card can be very expensive if you're not careful how you use it. It is best used when you can pay off the full balance quickly.

What interest and charges might apply?

Cash withdrawals are more expensive than purchases because you start paying interest immediately and will be charged a fee for each cash withdrawal. 

Overseas cash withdrawals or purchases incur additional charges to those made in the UK. 

We don’t charge a monthly fee for this credit card and there is no balance transfer fee on any balance transfers made during the introductory period. We can change the fees (including the monthly fee and amending the balance transfer fees) and interest rates on your card. We'll let you know in advance if we plan to do this. 

Any introductory rate we offer you starts from the date your account is opened. 

For detailed information on fees and charges please read the Costs of Credit section in the Pre-Contract Credit Information and Condition 8 of the Credit Agreement.

How much will I have to pay under the credit agreement?

It will cost you more if you only make your monthly minimum payments. It will cost you less if you pay off the full balance quickly.

What are the consequences to me if I do not keep up repayments?

If you miss your minimum payment you get charged a £12 fee, plus the interest keeps building up, so you end up paying back more. We will also record details with a credit reference agency and your credit rating could go down which would make it harder to get future credit. If you miss multiple repayments, your credit rating can be damaged and you might have legal proceedings brought against you. In the very worst case your debt might be secured against your house or your debt may be transferred to a debt management company. To avoid getting into this situation, please contact us if you are having difficulties in making your repayments.

Changing your mind.

You can change your mind up to 14 days after you receive your card. If you do this, you must repay anything you owe.

Additional Benefits

Retailer Offers: Welcome offers – get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. 

These are for one use only and you must switch on Retailer Offers within 60 days of activating your new credit card. Once you've switched on Retailer Offers, or if you’re already registered, the welcome offers will be available within 14 days. 

Retailer Offers: Ongoing cashback - get cashback offers of up to 15% at a variety of online and high street retailers.
Online and Mobile Banking so that you can manage your account whenever, wherever

Contactless payments when you link your card to your digital device. We support Apple Pay, Google Pay™, Samsung Pay™, Fitbit Pay and Garmin Pay™

Excludes ATM only cash cards, Visa Top-up Debit Card and Business VISA Electron Card. Retailer limits may apply.

Up to 3 additional cards for family members at no extra cost (you'll be responsible for the use of and payments on the additional cards)