Santander Edge credit card

Pay smarter and enjoy rewards, control and security

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 1% cashback (up to £10 a month) on all purchases

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 No foreign exchange fees on purchases overseas in the local currency

A £4 monthly fee applies

This card doesn’t offer any 0% introductory periods on balance transfers or purchases but some of our other cards do. The best credit card for you depends on how you want to use it.
 

What you need to apply 

  • To be aged 18 or over and a permanent UK resident
  • To have an income of £10,500 or more a year
  • Don't already have a Santander Edge credit card


All credit is subject to status and credit checks.
 

Representative example

Representative 37.8% APR (variable)

Assumed credit limit £1,200

Purchase rate 29.9% p.a. (variable)

Monthly fee £4

Pay smarter with a Santander credit card

Here's what you can get with one.
 

Rewards

Discounts, cashback, and special offers

Control

Easily track and manage your day-to-day spend

Security

Extra protection when spending on your credit card

Rewards

 

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Santander Boosts
Sign up to Santander Boosts to enjoy cashback, vouchers, offers and prize draws. Choose the offers you like and earn rewards when spending at your favourite retailers.
 

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Mastercard Priceless™
Enjoy unforgettable experiences and valuable offers in the cities where you live and travel with Mastercard Priceless™
 

Give me an example of how paying with a credit card rewards me 

Control

 

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The flexibility to pay when you want – clear your bill when it arrives, or pay off little and often throughout the month. You get up to 56 days interest free. Pay your bill on time and in full and avoid paying any interest.

Here’s how you can use our Mobile Banking app to stay in control.
 

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Use My Money Manager to track and organise spending. Gives you personalised insights based on your spending habits.
 

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Use your credit card for your daily spend and your current account for your monthly bills (like rent, mortgage, utility bills, etc.). Keeping them separate means you can track and manage your spending more easily.
 

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Card controls let you turn on and off certain types of purchases, like gambling, online, international and contactless.

 

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Register for free account alerts by text or email. These help to keep you safe and in control of your money. We can send you alerts when you’re near your credit limit, to help you avoid fees. We can also use them to make you aware of certain activity on your account.


Give me an example of how a credit card helps me stay in control

Security

 

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Spot a suspicious payment? Block your card instantly and report this to us using our app. Safe in the knowledge no money has left your current account.
 

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Problem with a purchase? Let us know and we'll help you raise a claim to get your money back.
 

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Can’t find your card? If you think it’s been lost or stolen you can freeze it temporarily in our app. Then if you find it again later, just unfreeze it.
 

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Section 75 protection
Buy with confidence – you’ll get protection under the Consumer Credit Act for some purchases. Section 75 protects you if certain things go wrong.
 

Give me an example of how a credit card offers me security


Using credit isn’t right for everyone. Make sure you understand how a credit card works. There’s some more information below to help you. Always pay on time and stay within your credit limit to avoid unexpected fees.
 

More information about the Santander Edge credit card

Account fee

The fee for this card is £4 a month.

We will add the fee to your credit card balance each month.
 

Cashback

  • 1% cashback on all your purchases

The maximum amount of cashback you can earn each month is £10.

This means you earn cashback on the first £1,000 you spend on your card each month.

Some transactions aren't eligible. Cashback will be paid into your account on the same day as your statement date.

Purchases and cash withdrawals abroad

  • You won’t be charged foreign transaction fees on purchases and cash withdrawals made abroad in the local currency. If you choose to pay in sterling, the retailer or bank will handle the conversion and may charge you a fee.
  • A cash transaction fee of 3% (minimum £3) will be charged on all cash withdrawals, including those made abroad. You’ll be charged 29.9% p.a. interest on the cash you take out from the day it’s withdrawn.
     

Earn cashback quicker with additional cardholders

You can have up to 3 additional cardholders on your credit card. This means you could earn cashback more quickly on your account. 

The additional cardholders must be close family members who live at the same address as you. You will be responsible for the use of and payments on the additional cards. If the additional cardholder isn't a Santander customer we may ask for ID for them.

Experience the world with Mastercard

  • Mastercard is accepted at more than 100m places worldwide so you can use your card wherever you see the Mastercard sign at home and abroad.
  • Priceless.com is available exclusively to Mastercard cardholders and offers access to incredible experiences and valuable everyday offers in the cities you live and travel to. Fuel your passions with one-of-a-kind, customised experiences, from culinary arts and culture, to music, sports and more. Register online at priceless.com to receive regular updates on how you can access these exclusive experiences.
  • To be one of the first to know about events and experiences and participate in prize draws, make sure you’re opted in to receive marketing messages from Santander.
     

The Santander Edge credit card gives you complete control with Mobile Banking.

Card controls

You can use Mobile Banking to help you take control of your card account. 

  • Never worry about forgetting your PIN again – it’s ready to view any time in Mobile Banking.
  • You can temporarily freeze your card if you think you’ve lost it or it’s been stolen. You can unfreeze it if you find it again. This saves you the hassle of cancelling it and waiting for a new one.
  • You can block certain transactions such as gambling, online, international and contactless to protect yourself and your spending.
  • Your contactless card allows you to pay for things that cost up to £100, but you can lower this limit using our chat service in Mobile or Online Banking.
     

Minimum repayment

You must make at least the minimum repayment each month towards your credit card balance. The amount and due date will be on your statement.

Direct Debits – never miss a payment

Setting up a Direct Debit means you’ll never miss a payment.

There are 3 types of Direct Debit to choose from:

  • Full payment: pay off the entire balance each month.
  • Minimum payment: a percentage of your balance you must pay each month to keep your account up to date.
  • Fixed payment: an amount that you decide to pay off each month.
     

Contactless payments

All our credit cards are contactless, so making payments is secure, easy and convenient. You can also link your Santander credit card to your phone or smartwatch and pay wherever you see the contactless symbol. We support: Apple Pay, Google Pay, Samsung Pay and Garmin Pay. Find out more
 

Key documents


When you apply, we’ll carry out a credit check. This will help us to decide the credit limit we can offer. We’ll tell you your credit limit once your application has been accepted.

Borrowing options

A credit card may not always be the best solution for you. We have other borrowing options such as overdrafts and personal loans. Plus there are additional loans for our existing mortgage customers.

Fraud protection

Our priority is to help protect you from falling victim to fraud or a scam. We have systems in place to detect unusual transactions on your account and online security measures to keep your money safe. Find out more
 

Cashback calculator

Get an estimate of how much cashback you could earn based on your spending.

What type of Santander current account do you have?

Estimated earnings

  • Total earnings each month £XX.XX
  • Total earnings each year £XX.XX

How we’ve calculated it

  • Monthly credit card cashback % £XX.XX
  • Monthly account fee £XX.XX

Estimated earnings

  • Total earnings each month £XX.XX
  • Total earnings each year £XX.XX

How we’ve calculated it

  • Monthly credit card cashback % £XX.XX
  • Monthly account fee £XX.XX

It's important that you read the information and documents below. If there's anything that you don't understand, then please contact us. Please tick the boxes to show that you want to proceed with an application.

 

Key Facts Document and Terms & Conditions

We’ll email you copies, but you should read and consider these documents before you apply (you can also print or save them). If you have any questions or need further information, please contact us. To see these documents, you may need to download Adobe Reader

Pre-Contractual Explanation

Here is a summary of the important information from the Pre-Contractual Explanation. The full version of this can be found in the Santander Edge credit card Key Facts Document. Click on the link above to see this. You should read it before you apply.

 

Is this credit card right for your needs?

A credit card is more suitable for borrowing over a shorter period of time. There may be cheaper ways to borrow large amounts.

 

What are the interest rates and charges for the credit card?

With some credit cards, we offer 'introductory' interest rates and charges for a set period of time. Your introductory period starts from the day you open your account.

You should try to clear the balance on your card before your introductory period ends. This is because higher interest rates and charges will apply after an introductory period has stopped.

The interest rate and charges you have to pay depends on how you use your credit card. For example, we'll always charge a higher rate for taking out cash using your credit card.

What should you know about balance transfers?
We charge 3% of the amount of each balance transfer you make (minimum £5).

What’s the monthly fee for using the credit card?
We charge a £4 monthly fee for this credit card.

Can we change interest rates and charges?
We can change these rates and charges but we’ll tell you before we do.

 

How much do you have to pay each month, and when?

Each month, we'll give you a statement showing the minimum payment you'll need to pay for that month.

It will cost you more if you only make your minimum payments. The quicker you pay off your balance, the less it will cost you in the long run.

 

What happens if you don’t pay your payment on time, or miss a payment?

If you don't make a payment on time, or you miss a minimum payment, we'll charge a £12 fee. That means the total cost of your debt will grow, and we'll keep charging interest on the amounts you should've paid. We’ll also report this to credit reference agencies who’ll record it on your credit file. This will affect your credit rating and might make it more difficult for you to borrow in future.

If you miss multiple repayments you might have legal action 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 recovery company. To avoid getting into this situation, please contact us if you're struggling to keep up with your payments.

 

Can you change your mind?

You have up to 14 days to decide if this is the right card for you, starting from the day after you receive your card. If you decide you no longer want your new credit card you must let us know and you must repay anything you owe.

 

Paper-free

  • Paper-free means we send your statements and other important information, including change of account terms and arrears notices, to your ‘Statements and documents’ in the Mobile Banking app or in Online Banking.
  • We may occasionally still need to send some correspondence by post.
  • Your account will be set to paper-free but after it’s opened you can ask to receive your information by post instead using Online or Mobile Banking, in a branch or by phone 

 

To apply, you must answer yes to the following. 

  • I don’t already have a Santander Edge credit card.
  • I have an income of £10,500+
  • I live in the UK and can provide 3 years’ address history (if you’ve lived abroad in the last 3 years, please apply in branch).
  • I haven’t been declared bankrupt, had a CCJ or an IVA within the last 6 years.
  • I accept the Key Facts Document and Terms & Conditions.

Credit check
When you apply, a credit check will be carried out which will show on your credit file.

Your contact preferences
During the application you’ll be asked if you want to hear about products, services and offers that may be of interest. Please note the preferences you select will override any previous preferences given. If you’d like to amend those preferences please contact us at any time.

Credit limit increase preferences
During your application we’ll ask if you want us to increase your credit limit in the future:

  • If you answer yes, we’ll automatically increase your credit limit but we’ll let you know before the changes are made so you have the option to decline it
  • If you answer no, we’ll send you details of the increase and you’ll need to contact us to accept it

If you’d like to amend your preference please contact us at any time.

Before you apply for a credit card, please consider any future changes to your financial circumstances that may affect whether you can make your repayments. If your income is reducing and/or outgoings increasing, use the newer figures in your application so that we can make sure the credit card is affordable for you.


If you have Experian CreditLock or similar with another credit reference agency, you'll need to switch it off before you apply.

Information correct as at 24 July 2025.