Zero Credit Card

Want to check whether you’ll be accepted? Use our eligibility checker to find out, it only takes a few minutes and won’t affect your credit rating.

Credit Cards

What you can get

  • No foreign transaction fees on purchases made abroad in the local currency
  • 0% interest on all purchases for 12 months from account opening
  • No cash withdrawal fee anywhere in the world
  • Earn up to 15% cashback with Retailer Offers. Just switch on, choose your offers and shop with any of your Santander cards


  • You’re 18 and over and live in the UK permanently
  • You have an income of £7,500+ per year
  • You don’t already have a Zero Credit Card
  • All credit is subject to status and credit checks

Representative example

  • Representative 18.9% APR (variable)
  • Assumed credit limit £1,200
  • Purchase rate 18.9% p.a. (variable)
  • Monthly fee £0

Account fee

There is no account fee for this card.

Coronavirus support

We’re removing the late payment fee on our credit cards from 31 March 2020 until 31 January 2021. From 1 February 2021 it’ll revert to £12.

Minimum repayments ​​​​​

You must make at least the minimum repayment each month.

No foreign transaction fees

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. 

No cash withdrawal fees

You won’t be charged a cash withdrawal fee if you need to withdraw any cash but interest will be charged on the cash you take out from the day it’s withdrawn.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) (447 KB)

We have other borrowing options, such as overdrafts, personal loans and additional loans for our existing mortgage customers. Learn more

0% interest on all 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).

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.

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.


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 9 123 123 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.