Santander World Elite™ Mastercard®

Unlock a world of benefits

World Elite Mastercard

What you can get

(for a £15 monthly fee)

  • Access to over 1000 airport lounges
  • 24/7 Mastercard Concierge 
  • Access to over 1 million Wi-Fi hotspots worldwide
  • 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 


  • You don’t already have a Santander World Elite Mastercard
  • All credit is subject to status and credit checks

Representative example

  • Representative 49.8% APR (variable)
  • Assumed credit limit £1,200
  • Purchase rate 18.9% p.a. (variable)
  • Monthly fee £15

Account fee

The fee for this card is £15 a month.

Coronavirus support

We’re removing the late payment fee on our credit cards from 31 March until 31 October 2020. 
From 1 November 2020 it’ll revert to £12.

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

  • 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).

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)

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. 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. 

Retailer Offers

Earn up to 15% cashback with Retailer Offers

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. 

Plus get up to 25% cashback with your welcome offers

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.

Ways to bank with us

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

  • Online Banking
  • Mobile Banking
  • Get personalised spend insights with My Money Manager
  • Contactless payments with your digital device when you link your Santander World Elite Mastercard
  • 24/7 UK-based telephone banking on 0800 032 3323
  • Face-to-face support in branch 

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

This account also comes with

Up to 3 additional cardholders
Online and Mobile Banking with text and email alerts
Access to the Santander branch network