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Santander World EliteTM Mastercard®

The Santander World Elite Mastercard is a credit card available to Santander Select and Private customers and is ideal for people who like to travel and like to be rewarded. It’s your invitation to a world of benefits that help you experience the best in life whether you’re home or abroad.

Find out more about how the Santander World Elite Mastercard could reward you – watch our video.

With the Santander World Elite Mastercard for £15 per month you can enjoy:

  • Unlimited airport lounge access at over 800 lounges with LoungeKey

  • Connection to over 1 million Wi-Fi hotspots worldwide with Boingo

  • A 40% online discount on Santander Travel Insurance

  • Mastercard Concierge available to you 24 hours a day 7 days a week when using your card (fees and charges may apply)

  • No foreign transaction fees on purchases made abroad when using the local currency option

  • 0.5% cashback on purchases (on maximum spend of £3,000 per month)

  • 0% on purchases and balance transfers for 18 months from the date of account opening, with no balance transfer fee to pay

At the end of the 0% period a 3% balance transfer fee will apply to any new balances transferred. Interest will be charged on new purchases and any outstanding balance transfer and purchase balances at the standard purchase rate of 18.9% p.a. (variable).

To be eligible for the Santander World Elite Mastercard you will need to be a Santander Select or Private customer. Find out more about Santander Select and Santander Private.

The card to help you out when you travel

To learn more about airport lounge access, free Wi-Fi, the Mastercard Concierge service and more, take a look at our travel benefits tab.

Cashback on your purchases
Earn 0.5% cashback on purchases with your World Elite Mastercard up to a maximum spend of £3,000 per month. We'll credit your cashback to your account monthly and you'll be able to see what you've earned on your statements and in Online and Mobile Banking. You won’t earn cashback on cash transactions such as the purchase of foreign currency, cash withdrawals or on balance transfers. To find out more, take a look at our full cashback terms 

No foreign transaction fees when you spend abroad in the local currency
Use your World Elite Mastercard abroad and you won't be charged any foreign transaction fees on purchases or cash withdrawals made in the local currency. Please make sure you choose the local currency option when using your card abroad. If you choose sterling, the retailer or bank will handle the conversion and may charge you a fee.

Please think carefully before making cash withdrawals at home and abroad. A cash transaction fee is charged on all cash withdrawals and they also attract a higher rate of interest which is charged immediately. To keep interest charges to a minimum, pay off your card balance as soon as possible after a cash withdrawal. 

Emergency cash and card replacement
The World Elite Mastercard also comes with the reassurance that if your card is lost or stolen whilst you are abroad we can provide an emergency cash advance within 24 hours or emergency card replacement within 48 hours. To arrange an emergency cash advance or emergency credit card replacement, call us 24 hours a day, 7 days a week on +44 1908 216674.

This service is provided worldwide, except in the Crimea Region, Cuba, Iran, North Korea, Sudan and Syria.

Please note that cash withdrawal charges will apply for an emergency cash advance. Cash transactions are charged at 3% (minimum £3) and have an interest rate of 29.9% per annum (variable) on the World Elite Mastercard.

0% on purchases for 18 months

Spread the cost of your purchases and pay no interest for 18 months.

  • 0% interest to pay for 18 months from the date of account opening

  • At the end of the 0% offer period, interest will be charged at the standard rate of 18.9% p.a. (variable) on any remaining purchase balances as well as any new purchases.

0% on balance transfers for 18 months with no balance transfer fee
Transfer balances from other credit or store cards and save interest.

  • 0% interest for 18 months from the date of account opening with no balance transfer fee during the introductory period

  • At the end of the 0% offer period, interest will be charged at the standard rate of 18.9% p.a. (variable) on any remaining balance transfer balances as well as any new balance transfers

  • Transfer from £100 to 95% of your credit limit. If your total transfer is above your available credit limit, we may allow you to transfer part of it. You won’t be able to transfer from other Santander or cahoot credit cards, or from any loans or current accounts.

Earn cashback with Retailer Offers
As well as 0.5% cashback with your World Elite Mastercard you'll also receive cashback offers of up to 25%.
Simply register for Online or Mobile Banking and switch on Retailer Offers to get:

  • Five welcome offers of up to 25% cashback at well-known major retailers. Your welcome offers will be chosen for you and are for one use only. To receive the welcome offers you must switch on Retailer Offers within 60 days of activating your new card. Once you've switched on Retailer Offers the welcome offers will be available within 14 days.
  • Continue to earn up to 15% cashback with your selected Retailer Offers when you use your World Elite Mastercard at selected major retailers.

Learn more about Retailer Offers

Other features

  • Up to 56 days interest-free credit on purchases when you pay your balance in full and on time each month, even after the initial interest free period has ended. (Not applicable to customers who have made a balance transfer and therefore do not clear their balance in full).

  • Contactless: make quick and easy purchases up to £30, wherever you see the contactless symbol.

  • Make contactless payments by linking your Santander credit card to your Apple, Android or Samsung device.

  • Up to 3 additional cards for your partner or family members at no extra cost. You will be responsible for the use of and payments on the additional cards.

Account alerts
You’ll be automatically registered to receive an alert when nearing your credit limit to help you avoid fees, and we’ll send you other messages to notify you of certain activity on your account. These will be sent via SMS, e-mail or letter and where not required for regulatory purposes, we’ll give you the option to opt-out. Once you’ve been registered, you can opt-out via Online Banking, by calling us or visiting your local branch.

Important  information
We've put together a guide to explain some important ways in which a credit card works (pdf) and how a credit card could benefit you. You can also find all interest rates and charges in the Summary Box (pdf)

Minimum repayments
During the 0% period, you must make repayments each month for at least the minimum payment amount. You'll find details of how the minimum payment is calculated in the Summary Box (pdf)

Representative example
18.9% p.a. (variable) on card purchases. This is equivalent to 49.8% APR representative (variable) based on an assumed credit limit of £1,200. Monthly fee: £15.

We offer a range of credit cards. Find out more

To apply for the World Elite Mastercard you need to be a Santander Select or Private customer.

Become a Santander Select customer
Santander Select is a more personal banking service that provides you with priority servicing and exclusive products and offers. It’s available to you as long as you have a Select Current Account with us and you either:

  • pay your main income of at least £5,000 per month into a Select Current Account (excluding transfers from other Santander accounts)
  • or keep £75,000 in any Santander investment(s), savings or current account

There's no charge for the service, but there may be fees for individual products and services.

To join us call 0800 032 3323 24 hours a day, 7 days a week.

Find out more about Santander Private.


Airport lounge access

  • The LoungeKey programme gives World Elite Mastercard cardholders access to over 800 airport lounges worldwide including additional cardholders

  • Simply present your World Elite Mastercard upon entry to your chosen lounge and avoid the hustle and bustle and relax ahead of your flight

  • Additional guests and children can join you in the lounge for £15 per person per visit. We recommend that you check that your chosen lounge accepts children before you travel

  • For more information, including the list of lounges you are eligible to visit, opening times, facilities available and full terms and conditions visit LoungeKey website

Boingo global Wi-Fi

  • Unlimited access to over 1 million Wi-Fi hotspots across the world

  • The Wi-Fi hotspots can be accessed on up to 4 devices per Santander World Elite Mastercard cardholder

  • If you want to check a specific destination take a look at Boingo's list of current hotspots 

Mastercard Concierge

  • Mastercard Concierge can help to take the hassle out of managing your busy lifestyle

  • Whether it's booking reservations, arranging itineraries, or event tickets, Mastercard's Concierge Lifestyle Managers can help you with travel, entertainment, sports, gifts, hospitality or business needs 24/7, 365 days a year

  • Removes the inconvenience of researching and booking with no request too big or small

  • Call 0800 032 3323 and we'll connect you to a Mastercard Concierge Lifestyle Manager who will deal with your request

  • No hidden charges, you only pay for the items purchased through the service: any purchases made or fees and charges incurred must be paid for on your World Elite Mastercard

40% online discount on Santander Travel Insurance

  • As a World Elite Mastercard cardholder you can enjoy 40% off Santander Travel Insurance when you apply online

  • Applies to single trip and annual multi-trip policies for European and worldwide travel (worldwide cover excludes Cuba)

  • Individual, couple or family policies available and each type of policy will receive the 40% online discount

  • Your discount also applies to a number of optional policy extensions (such as Winter Sports Cover) which are also available at an additional cost

  • Once you’ve opened your World Elite Mastercard you’ll be sent details of how you can claim your 40% online discount on Santander Travel Insurance

  • For full terms and conditions surrounding Santander Travel Insurance please visit Santander Travel Insurance

Mastercard Priceless Cities
Enjoy cities full of memorable sights and sounds. The Santander World Elite Mastercard gives you access to Mastercard Priceless® Cities, allowing you to unlock unique experiences that are exclusive to Mastercard cardholders. Choose from a huge menu of one-of-a-kind experiences, special adventures, shopping and dining benefits, the best shows and sporting events, hotel upgrades and small perks along the way that make your city adventure a bit more special. Discover new ways to experience old favourites with your family and friends or try something new! Discover incredible experiences today by registering at

World Elite Privileges
World Elite Privileges offers a range of exclusive discounts and offers for 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.

From making a payment to checking your cashback, do it your way

Because we know you have busy lives and are often on the move, we want to give you ways to bank that make life easier. We're always looking for new ways to bank that help you do what you need to do, with your phone, computer or in person.

So if you're on the sofa, log on with your tablet to check the cashback you've earned. If you want to be able to use your card abroad, let us know using Online Banking. And if you're on the high street, pop in for the personal service.

Need a helping hand? Use Send Me the Link to send yourself our mobile apps, videos, guides, & factsheets

Send me the link allows you to send yourself links for our mobile apps, videos, guides, & factsheets which can help you with your Online & Mobile Banking needs. Access Send Me the Link here.

Here are just a few of the things you can do:

Mobile Banking

Our fastest growing way to bank. Use your phone or device to:

  • Log on quickly and securely using Touch ID, Face ID or Fingerprint

  • see transactions and statements

  • clearly see your balance and credit limit

  • see your cashback

  • register for Retailer Offers  to earn cashback on your spend

And much more

Learn all about Mobile Banking with our handy demo

Get the app


Online Banking

24/7 banking on your desktop or laptop computer. Everything you can do on mobile, plus:

  • make payments to your card from any UK bank account

  • set up personalised account alerts  to let you know what's going on with your money

  • manage personal details such as change of address  

And much more

Take a look at our Online Banking videos

Sign up



Come in and see us for:

  • face-to-face support in managing your account

  • free customer wi-fi: bring your own device into branch and we'll help you with our online and mobile services

Find a branch


Contact Us Telephone Banking
  • with our UK-based team on hand until 9pm most nights, and an automated service when they go home, do your banking by telephone any day of the week

  • If you’re an existing Santander Select or Private customer please call us on 0800 032 3323
    24 hours a day, 7 days a week

Find out more


Protect yourself from fraud

It’s very important that your keep your banking details private and secure.

  • Never share a Santander One Time Passcode (OTP) with another person. Not even a Santander employee.
  • Never download software or let anyone log on to your computer or devices remotely during or after a cold call.
  • Never enter your Online Banking details after clicking on a link in an email or text message.

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.

Everything you need to know before you apply
We recommend reading the information in the documents below before you apply. You may like to save or print them so you can refer to them in the future.

To view these documents, you may need to download Adobe Reader

A £15 monthly fee applies.

To apply for the World Elite Mastercard you need to be a Santander Select or Private customer. Find out more about Santander Select and Santander Private.

Pre-Contractual Explanation
We've provided a summary below of the important information that's contained in the Pre-Contractual Explanation. The full version of this can be found in the World Elite Mastercard Key Facts Document which can be accessed using the link above. You should also read this before you apply.

Is a credit card right for my borrowing needs?
A credit card can be very expensive if you're not careful how you use it. It is best used when you can pay off the full balance quickly.

What interest and charges might apply?
Cash withdrawals are more expensive than purchases because you start paying interest immediately and will be charged a fee for each cash withdrawal made in the UK or abroad. We charge a monthly fee of £15 for this credit card. We don't charge a balance transfer fee on any balance transfers made during the introductory period. We can change the fees (including the monthly fee and the balance transfer fees) and interest rates on your card. We'll let you know in advance if we plan to do this.
Any introductory rate we offer you starts from the date your account is opened.
For detailed information on fees and charges please read the Costs of Credit section in the Pre-Contract Credit Information and condition 8 of the credit agreement.

How much will I have to pay under the credit agreement?
It will cost you more if you only make your monthly minimum payments. It will cost you less if you pay off the full balance quickly.

What are the consequences to me if I do not keep up repayments?
If you miss your minimum payment you get charged a £12 fee, plus the interest keeps building up, so you end up paying back more. We will also record details with a credit reference agency and your credit rating could go down which would make it harder to get future credit. If you miss multiple repayments, your credit rating can be damaged and you might have legal proceedings 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 management company. To avoid getting into this situation, please contact us if you are having difficulties in making your repayments.

Changing your mind
You can change your mind up to 14 days after you receive your card. If you do this, you must repay anything you owe.

You can apply for a World Elite Mastercard if you:

  • are a Santander Select or Private customer and have an income of £7,500 per year or more

  • are 18 or over

  • live in the UK permanently

  • understand we will be conducting a credit check

  • have a good credit record - e.g haven't been declared bankrupt, had a CCJ or an IVA within the last 6 years.

Before you apply we recommend that you read the Summary Box (pdf)

Apply today or complete a previously saved application

Apply now   Continue application


Call 0800 032 3323 24 hours a day, 7 days a week.

Find your nearest branch

To apply for the World Elite Mastercard you need to be a Santander Select or Private customer. Find out more about Santander Select and Santander Private

Representative example
18.9% p.a. (variable) on card purchases. This is equivalent to 49.8% APR representative (variable) based on an assumed credit limit of £1,200. Monthly fee: £15.

Please read the full product details and terms and conditions, including the Travel Benefits terms and conditions before applying.
We offer a range of credit cards. Find out more

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

You can apply for a Santander World Elite Mastercard if you are a Santander Select or Private customer, a permanent UK resident aged 18 years or over and have a gross annual income of £7,500 or more, have a good credit record and have not been declared bankrupt, had a CCJ or an IVA within the last 6 years. We will conduct a credit check as part of the application and this will determine whether or not you’re accepted and the credit limit we can offer. We reserve the right to refuse any application.

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