Santander World Elite™ Mastercard®

 

World elite card image

 

 

 

For Santander Select and Private Banking customers only

Travel-related rewards to treat yourself

Unlock fantastic travel experiences with our World Elite Mastercard.

  • Access to over 1,400 airport lounges with LoungeKey

  • Upgrade your experience through airport security with Mastercard® Airport Security Fast Track

  • Global Data Roaming by Flexiroam

  • You won’t be charged foreign transaction fees if you buy things in the local currency using your credit card 

  • 40% discount on Santander Travel Insurance when you apply online

  • 0.5% cashback (up to £15 per month) on purchases at home and abroad

  • 0% interest on purchases and balance transfers for 18 months with no balance transfer fee.

 

£15 monthly fee

Representative example 

Representative  49.8% APR

(variable)

Assumed credit limit £1,200

Purchase rate 18.9% p.a.

(variable)

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.

We can’t accept applications from non-Santander Select or Private Banking customers. 
 

Account fee

The fee for this card is £15 a month.

Airport lounge access worldwide

You and additional cardholders have access to over 1,400 airport lounges worldwide with LoungeKey.

Guests and children can join you in the lounge for £24 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

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

Mastercard® Airport Security Fast Track

Enjoy a smooth, more premium experience at our growing network of global airports with Mastercard® Airport Security Fast Track via Mastercard® Travel Experiences.  Your stress-free gateway to shops, restaurants and lounges – and the perfect start to your relaxing holiday, romantic break, or important business trip.

Access is available for you and your additional cardholders. Guests can join you for an additional fee and for children a fee may be charged. Visit Mastercard® Travel Experiences to register online. There you’ll find a full list of airports, cost of additional non-cardholder guests, and terms and conditions.

Global Data Roaming by Flexiroam

Register for Global Data Roaming access in over 150 countries in the world with Flexiroam. Get 3GB of free data roaming to use annually, which is conveniently split into 3 single 1GB plans. You'll also get 15% discount off additional data plans if you pay with your Santander World Elite Mastercard.

Priceless.com

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. 

Be one of the first to know about the incredible experiences and offers across the world today. Register online at priceless.com to receive regular updates on how you can access these exclusive experiences and offers.

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.

 

Terms apply to each of these card benefits. Click on the links above for more details, or see the Santander World Elite Mastercard Travel Benefits (80 KB)

Minimum repayment

You must make the minimum repayment each month. The amount and due date will be on your statement.

0% interest on balance transfers

  • Get 18 months interest-free on balance transfers from account opening with no balance transfer fee.
  • 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).

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.

You can use our eligibility checker to get an idea of your credit limit before you apply. This can help you decide if it meets your needs.

You can request a balance transfer during your application. If you do, we’ll make a payment to your current credit card company when you activate your card. Just make sure you activate it within 45 days of receiving it for this to happen. You don’t need to do anything else.

0% interest on purchases

  • Get 18 months interest-free on purchases from account opening.
  • 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.

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.

Find out more about how credit cards and credit card offers work (pdf) (126 KB)

We have other borrowing options such as overdrafts and personal loans. Plus there are additional loans for our existing mortgage customers. ​​​​

Cashback

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

Santander Boosts

With our credit cards you can register for Santander Boosts. Get rewards to give you a little boost when you bank with us.

All you need to do is sign up for Santander Boosts through your Mobile Banking app or in Online Banking. You can then choose the offers you like and earn rewards with your favourite retailers. 

  • Earn cashback when you shop online at a wide range of retailers.
  • Get vouchers and coupons for discounts on products and services.
  • Enjoy free gifts and enter prize draws.
  • Get offers personalised to your interests and hobbies.

What you also get 

Up to 3 additional cardholders. 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.

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

Key documents

Ways to bank with us

You’ll get 24/7 banking on all your devices with Mobile and Online Banking. Here are some of the things you can do.

  • Change your statement settings
  • Set up account alerts
  • Get personalised spend insights with My Money Manager
  • Make payments to your credit card in Mobile Banking
  • Make contactless payments with your digital device when you link your Santander World Elite Mastercard
  • 24/7 UK-based telephone banking on 0330 123 0061
  • Face-to-face support in branch 

Account alerts

We’ll send you account alerts when you’re near your credit limit to help you avoid fees. We can also make you aware of certain activity on your account. You can manage your alerts settings at any time in Online Banking. If you need more help, please contact us or visit your local branch

Security

Keep your banking details private and secure.

Visit our Security Centre for more information to help you avoid fraud and scams.

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.

Santander Boosts

Get cashback, vouchers, prize draws and other offers personalised for you with Santander Boosts

Account alerts

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

Not sure which credit card is right for you? See all of our cards

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 World Elite 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 don’t charge a balance transfer fee on any balance transfers made during the introductory period.

What’s the monthly fee for using the credit card?
We charge a £15 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 World Elite Mastercard.
  • 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. 

Information correct as at 15 March 2024.