1% cashback (up to £10 a month) on all purchases
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
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.
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
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.
Use My Money Manager to track and organise spending. Gives you personalised insights based on your spending habits.
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.
Card controls let you turn on and off certain types of purchases, like gambling, online, international and contactless.
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
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.
Problem with a purchase? Let us know and we'll help you raise a claim to get your money back.
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.
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.
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
- Santander Edge credit card Key Facts Document (PDF - 291 KB)
- General Terms & Conditions (PDF - 215 KB)
- Summary box (PDF - 171 KB)
- Cashback terms (PDF - 61 KB)
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.
Information correct as at 24 July 2025.