World Credit Card



Want to check whether you'll be accepted? Use our eligibility checker to find out and get an indication of your credit limit before applying, it won't affect your credit rating. 


Get the flexibility you want with our All in One Credit Card

Our All in One Credit Card is packed with benefits, so you don’t need to have lots of other cards to keep up.

You can transfer existing balances and make new purchases with our 0% interest offers.

From the date of account opening, you'll get:

  • 0% interest on purchases for 23 months
  • 0% interest on balance transfers for 26 months with no balance transfer fee
  • no foreign exchange fees on purchases overseas
  • 0.5% cashback on all your purchases.
  • When using your card abroad, earn 1% cashback on purchases made between 13 June and 18 September 2022. Minimum spend of £500 applies and purchases must be made in the local currency. For more details, take a look at our cashback abroad this summer page.

£3 monthly fee

You can apply if you’re 18 and over and live in the UK permanently, you have an income of £7,500+ per year and you don’t already have an All in One Credit Card.  All credit is subject to status and credit checks. 

Representative example

24.7% APR
Purchase rate
18.9% p.a.
Assumed credit limit
Monthly fee

Account fee

The fee for this card is £3 a month.

Minimum repayment

You must make at least the minimum repayment each month. 

0% interest on balance transfers

  • Get 26 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).

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

  • Get 23 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.
  • 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.

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.

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 might be in touch to ask for suitable ID for them.

Up to 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.

Save on interest by transferring your credit card balances and earn cashback on your spending.


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

Balance transfer and cashback calculator

Find out how much you could save by transferring your credit card balances

(minimum amount £100)

Find out how much cashback you could earn

Your estimated savings
You could save £0.00 in interest over 26 months and earn £0.00 cashback per month.

The £3 monthly fee has been deducted from the monthly cashback earnings figure above.

Just looking to transfer a balance? Take a look at our other cards

This calculator is for illustrative purposes only.

The savings figure indicates the interest saving over the 26 months 0% period compared to the APR on your existing credit card. The calculator assumes you'll make the monthly repayment amount entered, there are no further transactions, there is a fixed interest rate charged on your existing credit card and that you're not in an initial or other promotional period.


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 alerts settings at any time by using Online Banking. If you require further support please contact us or visit your local 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.