Features of your credit card


Credit cards can sometimes seem overwhelming as they appear to come with a lot of information. Knowing your credit card features will give you a better chance of making full use of the card. We want to make sure you're aware of some of these key features that are available with a credit card you may have.

The table shows you a breakdown of the basic features each fee-paying credit card has. This will let you compare each fee-paying credit card type to make sure you have the right card for your needs.

Please note some cards that appear in the table are now off sale

 Santander World Elite™ Mastercard®All in One Credit Card123 Credit Card
EligibilityOnly available to Santander Select and Private Banking customersAvailable for new applicationsThis product is no longer on sale
Monthly fee£15 monthly fee£3 monthly fee£3 monthly fee
Cashback0.5% cashback on purchases up to £3,000 per month0.5% cashback on all your purchases. From 30 January 2024, the maximum cashback you can earn each month will be £10

1% cashback at all major supermarkets (on spend of up to £300 per month)
2% cashback at all major department stores (on spend of up to £150 per month)
3% cashback at all major petrol stations on National Rail and Transport for London (TfL) travel (on combined spend of up to £100 per month)


Check our list of retailers to see where you can earn cashback

Foreign exchange fees
  • You will not be charged foreign transactional fees for purchases or cash withdrawals made abroad in the local currency
  • For all cash withdrawals you will be charged a 3% fee
  • You can see exchange rates applied instantly in your mobile or online banking
  • You will not be charged foreign transactional fees for purchases or cash withdrawals made abroad in the local currency
  • For all cash withdrawals you will be charged a 3% fee
  • You can see exchange rates applied instantly in your mobile or online banking
  • You will not be charged foreign transactional fees for purchases or cash withdrawals made abroad in the local currency
  • For all cash withdrawals you will be charged a 3% fee
  • You can see exchange rates applied instantly in your mobile or online banking
Additional  benefits

Airport lounge access worldwide -  Access to 1000+ airport lounges

 

Concierge - 24/7, 365 days a year access to Mastercard’s concierge benefits for help with Travel

 

Wi-Fi hotspots – access to over 1 million Wi -Fi  hotspots worldwide

Not applicable
 
Not applicable
 

Please check your credit card statement and Key Facts Document for information on interest rates, promotional balance transfer and purchase periods, and fees and charges applicable for each card.

If you'd like further information about our products, please view our range of credit cards

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