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Santander World EliteTM Mastercard®

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. 


  • You're 18 or over and live in the UK permanently.

  • You're a Santander Select or Private Banking customer.

  • You don't already have a Santander World Elite Mastercard.

  • All credit is subject to status and credit checks.

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fees will be charged on all cash withdrawals and interest will be charged on the cash you take out from the day it's withdrawn.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.

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
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.

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)


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

Mastercard Concierge

  • 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:

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 Santander 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 Santander 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:         

  • Automatically increase my credit limit – we'll let you know before the changes are made and give you time to decline the increase if you want to, or
  • Send me details and let me decide – you'll need to contact us if you want to accept the increase. 

You can change your preference any time by calling 0800 032 3323 or visiting your local branch

You can apply for a Santander 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

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.

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website Santander and the flame logo are registered trademarks.