Unlock a world of benefits with the Santander World Elite Mastercard
What you can get (for a £15 monthly fee)
Access to over 1000 airport lounges.
24/7 Mastercard Concierge.
Access to over 1 million Wi-Fi hotspots worldwide.
40% discount on Santander Travel Insurance when you apply online.
No foreign transaction fees on purchases abroad made in the local currency.
0.5% cashback on all your purchases up to £3,000 per month.
0% interest on purchases and balance transfers for 18 months from account opening with no balance transfer fee.
Your perfect travel companion
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
Purchases and cash withdrawals abroad
You won't be charged foreign transaction fees on purchases and cash withdrawals made abroad in the local currency.
Cash transaction fees will be charged on all cash withdrawals and interest will be charged on the cash you take out from the day it's withdrawn.
Emergency cash and card replacement
If your card is lost or stolen abroad just call +44 1908 216674 and you can get an emergency cash advance within 24 hours or emergency card replacement within 48 hours 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
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).
0% on balance transfers for 18 months 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 loans or current accounts.
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).
Earn up to 15% cashback with Retailer Offers
Retailer Offers is a service available through Online and Mobile Banking. Once switched on, you could earn up to 15% cashback at a variety of major retailers when you use your Santander debit or credit card.
Plus get up to 25% cashback with your welcome offers
With your new credit card you'll get five welcome offers to help you get started. Simply switch on Retailer Offers within 60 days of activating your new card.
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.
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.
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 032 3323 or visiting a branch.
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)
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)
We offer a range of credit cards. Find out more
Airport lounge access
You and additional cardholders have access to over 1000 airport lounges worldwide with LoungeKey - just present your Santander World Elite Mastercard to gain entry into the lounge.
Take a look at the full list of lounges, openings times, facilities available, cost of additional non-cardholder guests and terms and conditions.
Boingo global Wi-Fi
Boingo gives you unlimited access to over 1 million Wi-Fi hotspots across the world. Each cardholder can use a Wi-Fi hotspot on up to 4 devices.
You'll get access to Mastercard's Concierge Lifestyle Managers who can help you with travel, entertainment, sports, gifts, hospitality or business needs 24/7, 365 days a year, just call 0800 032 3323.
You'll just need to pay for any items purchased and any fees and charges incurred on your Santander World Elite Mastercard when using this service.
40% online discount on Santander Travel Insurance
Get 40% off Santander Travel Insurance for single trip and annual multi-trip policies for European and worldwide travel, excluding Cuba, when you apply online.
For full terms and conditions surrounding Santander Travel Insurance please visit Santander Travel Insurance
Mastercard Priceless Cities
Try unique experiences exclusive to Mastercard holders with Mastercard Priceless Cities. Take a look at the huge range of experiences available.
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:
Our fastest growing way to bank. Use your phone or device to:
And much more
24/7 banking on your desktop or laptop computer. Everything you can do on mobile, plus:
And much more
Come in and see us for:
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Protect yourself from fraud
It’s very important that your 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.
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.
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.
Credit limit preferences
As part of your application you can decide how you want us to implement any future increases to your credit limit. You'll be given the following choices:
You can change your preference any time by calling 0800 9 123 123 or visiting your local branch
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 applying for this product you should consider any future changes to your financial circumstances that may impact your ability to make repayments.
Before you apply we recommend that you read the Summary Box (pdf)
Apply today or complete a previously saved application
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Call 0800 032 3323 24 hours a day, 7 days a week.
Find your nearest branch
Please read the full product details and terms and conditions, including the Travel Benefits terms and conditions before applying.
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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