The fee for this card is £3 a month.

We’ll refund the £3 monthly fee for the first 6 months if: 

• you’ve had the card for less than a year, and have activated it
• you open or already have any of our qualifying 1l2l3 Current Accounts, Select Current Account or Private Current Account
• you set up a monthly Direct Debit to pay your card from the current account within 30 days of opening the current account or credit card, whichever happens latest.

You must make at least the minimum repayment each month. 

• 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 15.9% p.a. (variable).

At the end of the 0% period, interest will be charged on any outstanding balances and new purchases at the standard rate of 15.9% p.a. (variable).

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fees  will be charged on all cash withdrawals and interest will be charged on the cash you take out from the day it’s withdrawn.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

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

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.

Retailer Offers is a free service available through Online and Mobile Banking. Once switched on, you could earn up to 15% cashback at a variety of major retailers when you use your Santander debit or credit card. 

With your new credit card you’ll get five welcome offers to help you get started. Simply switch on Retailer Offers within 60 days of activating your new card.

You can earn 0.5% cashback on all purchases. Some transactions aren’t eligible.

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

• Online Banking
• Mobile Banking
• Contactless payments with your digital device when you link your Santander credit card
• Face-to-face support in branch and UK-based Telephone Banking

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 0800 9 123 123 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

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