Credit Cards details

Your chosen card

To apply for this card

Go to the Santander website

Go to site

Representative Example:

If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £1,200 Fee your representative rate will be 18.9% APR (variable).

The basics

  • Representative APR 18.9%(variable)
  • Payment Network MasterCard
  • Balance transfer fee 3% or £5, whichever is greater

Card features

Great for
If you're accepted for this card, you'll get the interest rate shown here
No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency
Opportunity to earn cashback through Retailers Offers once registered for Online or Mobile Banking
But be aware that
You must have a gross annual income of £7,500 or more to be eligible for this card

Is this card right for you?

To take this card you

  • Must be 18 years of age or older
  • Must have an income of £7,500 per year or more
  • Must have a UK address and a three year address history
  • Must have a good credit history - haven't been declared bankrupt, had a CCJ or an IVA within the last 6 years

Introductory interest rates

Rate Duration
Purchases 0% 1 month
Cash advances - -
Balance transfers 0% 1 month
Cheque advances - -
Money transfers - -

Long term interest rates

Monthly Annual
Purchases 1.457% 18.9%
Cash advances 1.457% 18.9%
Balance transfers 1.457% 18.9%
Cheque advances - -
Money transfers - -
Price for risk No


Annual fee -
Late payment £12
Over credit limit £12
Foreign exchange EU 0%
Foreign exchange non-EU 0%
Return payment £12
Copies of statements £0
Handling fee Min fee Max fee
Cash advances 0% £0 -
Cheque advances - - -
Balance transfers 3% £5 -
Money transfers - - -

Repayment details

  • Interest free period - 56 days
  • Your monthly minimum payment will be the greater of:
    • The full balance if less than £5
    • OR
    • 1% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any arrears which are payable immediately.
  • If you make only the minimum payment each month, it will take longer and cost you more to clear your balance
  • The above minimum repayment details may vary between providers, so please review T&Cs for specific details.
  • Allocation of payments:

    If you do not pay off your balance in full, payments Santander receive are applied to the highest interest bearing transactions first.
    Refer to provider for further details.

Credit limit

Minimum credit limit £500
Maximum credit limit -

Other features

Free purchase protection No
Internet fraud guarantee Yes
Rewards Cashback

How your promotional rates will change

  • After 1 month, the rate on Balance Transfers will go from 0% to 18.9%.
  • After 1 month, the rate on Purchases will go from 0% to 18.9%.

Fees to be aware of

  • For a balance transfer, you'll be charged 3% of the balance you're transferring. There is a minimum charge of £5.

About Santander

Santander is the Spanish bank that bought Abbey, Alliance & Leicester and Bradford & Bingley. It has some 25 million customers and an extensive branch network. The bank is one of the country’s largest mortgage and savings providers.

To apply for this card

Go to the Santander website

Go to site

Representative Example:

If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) with a £1,200 Fee your representative rate will be 18.9% APR (variable).

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Consider a different card
Not eligible
Your chances are good
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.


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