Santander · Credit card

World Elite Mastercard

£15/month Select and Private Banking credit card with 0.5% cashback, LoungeKey lounges, airport Fast Track and fee-free purchases abroad; currently advertises £90 welcome cashback subject to conditions.

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Perks & estimated value

Cashback
0.5% purchase cashback
Estimate based on £12,000/year eligible purchases. Lloyds: 1% on purchases over £15,000 per anniversary year. Santander: £15/month cashback cap; exclusions apply.
£60/yr
Airport lounge access
Airport lounge access
Estimated annual use value, not guaranteed cash savings. Lloyds Priority Pass 1,300+ lounges; Santander LoungeKey 1,400+ locations. Main and additional cardholders; extra guests charged; availability and registration terms apply.
£300/yr
Airport fast track
Airport security Fast Track
Estimated annual use value. Participating airports and availability restrictions; registration/booking required. Extra guests may be charged.
£50/yr
Fee-free spending abroad
No foreign purchase fees
Estimate based on £3,000/year foreign-currency purchases avoiding a 3% fee. Pay in local currency; cash withdrawals, interest and dynamic currency conversion are not covered.
£90/yr
Lifestyle offers & benefits
Mastercard Priceless experiences & offers
Offers and experiences subject to availability and provider terms; no guaranteed monetary value assigned.
£0/yr
Travel credits & eSIMs
Flexiroam 3GB annual roaming data
3GB/year as three 1GB plans; 15% discount on additional plans paid with the card. Activation, device compatibility, coverage and provider conditions apply; no speculative cash value assigned.
£0/yr
Travel deals & discounts
40% discount on online travel insurance
Discount on Santander Travel Insurance when applying through the dedicated online link sent after account opening. This is not included insurance cover; underwriting and policy terms apply. No speculative cash value assigned.
£0/yr

Key terms

£15 monthly fee (£180/year), payable from activation. Cashback 0.5% on eligible purchases up to £15/month (£3,000 eligible monthly spend); exclusions apply. LoungeKey guest and child visits £24/person/visit; cardholders use their own eligible cards. 40% online travel-insurance discount is not included insurance. Flexiroam 3GB/year as three 1GB plans and 15% off extra plans, subject to terms. Estimates use £12,000 annual purchases and £3,000 foreign purchases, £300 lounge value and £50 Fast Track value; discounts, data and Priceless offers have £0 estimated value to avoid speculative savings.

Fee breakdown

Annual fee: £180
Monthly equivalent: £15.00
Representative APR: 49.8% APR variable; standard purchase rate 18.9% p.a. variable
FX fee: 0% foreign transaction fee on purchases in local currency; cash withdrawals are not included
Total perk value: £500
Net annual value (all perks): £320

Offer & eligibility

Welcome bonus: £90 cashback for eligible Santander Select or Private Banking customers opening and using the card during the offer period starting 26 March 2026.

Current offer: £90 welcome cashback: Santander Select or Private Banking customers must set up a Direct Debit to pay the card and make at least 5 transactions within 60 days of opening. The card must remain open when cashback is paid, within 2 months of meeting the criteria. Offer may be withdrawn at any time. Also currently advertised: 0% interest on purchases and balance transfers for 18 months, with no balance transfer fee; standard rates follow. Financing savings are not assigned a cash value. Offer terms: https://www.santander.co.uk/landing/World-Elite-Mastercard-Offer

Eligibility: Santander Select or Private Banking customers only; UK resident aged 18+, guaranteed annual income at least £10,500, good credit record and no recent bankruptcy, CCJ or IVA. Subject to credit approval.