Santander World Elite™ Mastercard®


World Elite Credit Card



Unlock a world of benefits  

  • Access to over 1000 airport lounges and 1 million Wi-Fi hotspots worldwide
  • 24/7 Mastercard Concierge
  • 40% discount on Santander Travel Insurance when you apply online
  • No foreign transaction fees on purchases abroad made in the local currency
  • 0.5% cashback on all your purchases up to £3,000 per month
  • 0% interest on purchases and balance transfers for 18 months from account opening with no balance transfer fee

£15 monthly fee

Representative example 

Representative  49.8% APR


Assumed credit limit £1,200

Purchase rate 18.9% p.a.


Monthly fee £15

You can apply if you’re 18 and over and live in the UK permanently, you’re a Santander Select or Private Banking customer and you don’t already have a Santander World Elite Mastercard.  All credit is subject to status and credit checks.

Account fee

The fee for this card is £15 a month.

Airport lounge access worldwide

You and additional cardholders have access to over 1000 airport lounges worldwide with LoungeKey.

Guests and children can join you in the lounge for £20 per person per visit which will be applied to your Santander World Elite Mastercard. 

To use the lounge:

  • Show your Santander World Elite Mastercard and say that you’re a LoungeKey customer.
  • Complete security and verification checks. You may need to use your mobile phone for this

Take a look at the full list of lounges, opening times, facilities available, cost of additional non-cardholder guests and terms and conditions.

Mastercard Concierge

You’ll get access to Mastercard’s Concierge Lifestyle Managers who can help you with travel, entertainment, sports, gifts, hospitality or business needs 24/7, 365 days a year. You’ll just need to pay for any items purchased and any fees and charges incurred on your Santander World Elite Mastercard when using this service.

Mastercard Priceless Cities

Try unique experiences exclusive to Mastercard holders with Mastercard Priceless Cities. Take a look at the huge range of experiences available.

World Elite Privileges

World Elite Privileges offers a range of exclusive discounts and offers for Santander World Elite Mastercard cardholders. This includes hotel and car hire upgrades, late checkouts, complimentary breakfasts as well as discounts on clothing and other retail experiences.

Wi-Fi worldwide

Boingo gives you unlimited access to over 1 million Wi-Fi hotspots across the world. Each cardholder can use a Wi-Fi hotspot on up to 4 devices. See a list of Boingo’s current hot spots

40% off Santander Travel Insurance

Get 40% off Santander Travel Insurance for single trip and annual multi-trip policies for European and worldwide travel when you apply online.

Emergency cash and card replacement

If your card is lost or stolen abroad you can get an emergency cash advance within 24 hours or an emergency card replacement within 48 hours worldwide.

Minimum repayment

You must make the minimum repayment each month.

0% interest on balance transfers

  • You can transfer balances from £100 up to 95% of your credit limit.  
  • You can’t transfer balances from other Santander or cahoot credit cards or from any type of loan or current account.
  • At the end of the 0% period, a 3% balance transfer fee will apply to any new balance transfers. Interest will be charged on any outstanding balances and new balance transfers at the standard rate of 18.9% p.a. (variable).

We'll carry out a credit check as part of your application. It will determine the credit limit we can offer, which we'll confirm to you once your application is accepted. If you'd like to get an indication of your credit limit before you apply, try our eligibility checker

If you request a balance transfer as part of your application it'll happen automatically if you activate your card within 45 days of receiving it.

0% interest on purchases

At the end of the 0% period, interest will be charged on any outstanding balances and new purchases at the standard rate of 18.9% p.a. (variable).

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.

Cash transaction fees will be charged on all cash withdrawals and interest will be charged on the cash you take out from the day it’s withdrawn. 

Find out more about how credit cards and credit card offers work (pdf) (443 KB)

We have other borrowing options, such as overdrafts, personal loans and additional loans for our existing mortgage customers. Learn more​​​​


You can earn 0.5% cashback on all purchases, up to a maximum spend of £3,000 per month, some transactions aren’t eligible. 

What you also get

Up to 3 additional cardholders. You will be responsible for the use of and payments on the additional cards.

56 days interest-free period on purchases meaning that if you pay off your balance in full and on time every month, you won’t be charged interest. 

Earn up to 15% cashback with Retailer Offers

Retailer Offers makes it easier to earn a little extra from a variety of Retailers. Once you switch on Retailer Offers in Online or Mobile Banking, you’ll be able to choose the offers you’re interested in and earn up to 15% cashback just by using your Santander cards.


Ways to bank with us

24/7 banking on all your devices. You can amend your statement settings and set up personalised account alerts 

Account alerts

We’ll send you alerts when you’re near your credit limit to help you avoid fees and to make you aware of certain activity on your account. You can manage your alert settings through Online Banking, calling us on 0330 123 0061 or visiting a branch. 


Keep your banking details private and secure.

For more information about our approach to security as well as more useful information to help you stop the threat of fraud visit our Security Centre

Giving you more – our cards also come with:

Card controls in our app
View your PIN, freeze your card if you lose it and block certain transactions in our mobile banking app.

Retailer Offers
Once switched on, earn up to 15% cashback at a variety of major retailers when you use your Santander credit card. 

Account alerts
We'll send you alerts when you're near your credit limit to help you avoid fees. 

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

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 Santander World Elite Mastercard Key Facts Document which can be accessed using 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 made in the UK or abroad.

We charge a monthly fee of £15 for this credit card. We don’t charge a 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.



  • Paper-free means we send your statements and other important information, including change of account terms and arrears notices, to your e-Documents 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 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. 

Information correct as at 21 September 2021.