Apply for a Santander World Elite™ Mastercard®

It's important that you read the information and documents below. If there's anything that you don't understand, then please contact us. Please tick the boxes to show that you want to proceed with an application.

Key Facts Document and Terms & Conditions

We’ll email you copies, but you should read and consider these documents before you apply (you can also print or save them). If you have any questions or need further information, please contact us. To see these documents, you may need to download Adobe Reader

Pre-Contractual Explanation

Here is a summary of the important information from the Pre-Contractual Explanation. The full version of this can be found in the Santander World Elite Credit Card Key Facts Document. Click on the link above to see this. You should read it before you apply.


Is this credit card right for your needs?

A credit card is more suitable for borrowing over a shorter period of time. There may be cheaper ways to borrow large amounts.


What are the interest rates and charges for the credit card?

With some credit cards, we offer 'introductory' interest rates and charges for a set period of time. Your introductory period starts from the day you open your account. 

You should try to clear the balance on your card before your introductory period ends. This is because higher interest rates and charges will apply after an introductory period has stopped. 

The interest rate and charges you have to pay depends on how you use your credit card. For example, we'll always charge a higher rate for taking out cash using your credit card. 

What should you know about balance transfers?
We don’t charge a balance transfer fee on any balance transfers made during the introductory period.

What’s the monthly fee for using the credit card?
We charge a £15 monthly fee for this credit card.

Can we change interest rates and charges?
We can change these rates and charges but we’ll tell you before we do.


How much do you have to pay each month, and when?

Each month, we'll give you a statement showing the minimum payment you'll need to pay for that month. 

It will cost you more if you only make your minimum payments. The quicker you pay off your balance, the less it will cost you in the long run.


What happens if you don’t pay your payment on time, or miss a payment?

If you don't make a payment on time, or you miss a minimum payment, we'll charge a £12 fee. That means the total cost of your debt will grow, and we'll keep charging interest on the amounts you should've paid. We’ll also report this to credit reference agencies who’ll record it on your credit file. This will affect your credit rating and might make it more difficult for you to borrow in future.

If you miss multiple repayments you might have legal action brought against you. In the very worst case your debt might be secured against your house or your debt may be transferred to a debt recovery company. To avoid getting into this situation, please contact us if you're struggling to keep up with your payments.


Can you change your mind?

You have up to 14 days to decide if this is the right card for you, starting from the day after you receive your card. If you decide you no longer want your new credit card you must let us know and you must repay anything you owe.



  • Paper-free means we send your statements and other important information, including change of account terms and arrears notices, to your ‘Statements and documents’ in the Mobile Banking app or in Online Banking. 

  • We may occasionally still need to send some correspondence by post.

  • Your account will be set to paper-free but after it’s opened you can ask to receive your information by post instead using Online or Mobile Banking, in a branch or by phone. 


To apply, you must answer yes to the following. 

  • I don’t already have a World Elite Mastercard.
  • I have an income of £10,500+
  • I live in the UK and can provide 3 years’ address history (if you’ve lived abroad in the last 3 years, please apply in branch).
  • I haven’t been declared bankrupt, had a CCJ or an IVA within the last 6 years.
  • I accept the Key Facts Document and Terms & Conditions.

Credit check
When you apply, a credit check will be carried out which will show on your credit file.

Your contact preferences
During the application you’ll be asked if you want to hear about products, services and offers that may be of interest. Please note the preferences you select will override any previous preferences given. If you’d like to amend those preferences please contact us at any time.

Credit limit increase preferences
During your application we’ll ask if you want us to increase your credit limit in the future:

  • If you answer yes, we’ll automatically increase your credit limit but we’ll let you know before the changes are made so you have the option to decline it
  • If you answer no, we’ll send you details of the increase and you’ll need to contact us to accept it

If you’d like to amend your preference please contact us at any time.

Before you apply for a credit card, please consider any future changes to your financial circumstances that may affect whether you can make your repayments. If your income is reducing and/or outgoings increasing, use the newer figures in your application so that we can make sure the credit card is affordable for you.