Santander World Elite™ Mastercard®

Santander’s World Elite Mastercard

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.

Treat yourself to travel-related rewards

Unlock fantastic travel experiences with our World Elite Credit Card.

You'll get 24/7 access to Mastercard's Concierge benefits for help with travel and much more. You won't be charged foreign transaction fees if you buy things in the local currency using your credit card.

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

  • access to 1000+ airport lounges and 1 million Wi-Fi hotspots worldwide
  • 40% discount on Santander Travel Insurance when you apply online
  • 0.5% cashback on purchases up to £3,000 per month
  • 0% interest on purchases and balance transfers for 18 months with no balance transfer fee.
  • 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.

£15 monthly fee

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. 

Representative example

49.8% APR
Purchase rate
18.9% p.a.
Assumed credit limit
Monthly fee

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; just present your Santander World Elite Mastercard to gain entry into the lounge.
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 single and annual multi-trip policies in Europe or worldwide (excluding Cuba). Benefit from this online discount by using the dedicated link that we will send when you open the account.

Emergency cash 

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

Minimum repayment

You must make the minimum repayment each month.

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).

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 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.

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.


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

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. 


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 0800 032 3323 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.