Santander World Elite™ Mastercard®

Check whether you’ll be accepted and what credit limit we’ll give you before you apply – the check won’t be recorded on your credit file. You might want to do this because if your application is declined it could impact your credit rating.




Representative example
Representative49.8% APR(variable)Purchase rate18.9% p.a.(variable)Assumed credit limit£1,200Monthly fee£15


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 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 single and annual multi-trip policies in Europe or worldwide (excluding Cuba). Benefit from this online discount by using the link that we will send when you open the account.

Plus, for a limited time only, get an extra 10% off the discounted online price when you buy annual multi-trip cover. Full T&Cs apply (PDF - 47 KB). Offer ends 13 August 2024.

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 (PDF - 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.

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. 



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



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.

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

Card account alerts

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


Information correct as at 30 May 2024.