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Credit Cards

* The credit limit which applies to you will depend on our assessment of your application

All of our cards come with these great benefits

  • Up to 56 days interest-free credit.
  • Online account management.
  • Online fraud protection.
  • Apply for additional cards for your family.


1. Includes all major retailers, UK train operating companies, online train ticket retailers and trains operated in Northern Ireland by NI Railways. 3% cashback applies on spend up to 300 a month on either petrol or rail and TfL travel or a combination of these. Purchases not eligible for cashback include (a) TfL travelcards, passes and Oyster Card top up purchases made at newsagents, garages and off-licences (b) NI Railways train tickets purchased online (c) Eurotunnel Le Shuttle and (d) train ticket purchases from travel agents or tour operators. Other cashback exclusions, limits and terms apply. Full cashback terms can be accessed here.

2. Balance transfer rate from date of account opening. The smallest amount you can transfer is 100. The total amount of transferred balances may not be more than 95% of your credit limit. If the total transfer you ask for is above your available credit limit, we may allow you to transfer part of this amount. You cannot transfer balances from other Santander Group accounts (including cahoot). At the end of the 0% period, if you haven't paid off the amount of the balance transfer in full, interest will become payable on the remaining amount at your standard balance transfer rate.

3. Purchase rate from date of account opening. At the end of the 0% period, if you haven't paid off the amount of the purchases in full, interest will become payable on the remaining amount at your standard purchase rate.

Credit is available, subject to status, only to UK residents aged 18 and over. Credit is provided by Santander Cards Limited.