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Banco Santander
Bank Cards
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PRODUCTO COMPLEJO





Get the most out of your credit card!

Because it lets you pay for your purchases conveniently and securely.
Because you will have access to promotions with Santander Premia2.
Because it offers you payment flexibility.

Get it now and start enjoying the benefits!

No maintenance or issuance fee1

If you have the Online Account, your credit card in virtual format will have no fees.

No fees for debit cash withdrawals

Withdraw cash on debit at ATMs without any fees.

Santander Key at your disposal

Make every payment a secure transaction with Santander Key.

Flexible financing

Enjoy different options for financing your purchases.

Discover everything your Santander Credit Card has to offer

CONVENIENT AND SIMPLE TO USE

  • No issuance or maintenance fee. If you only have an Online Account, you can enjoy the credit card in virtual format without issuance and maintenance fees. To receive a physical copy, you will have to pay the issuance fee of €9 for a duplicate card in physical format.
  • Withdraw cash on debit with no fee from any of the 30,000 Santander ATMs worldwide or the more than 7,000 in Spain.
  • Accident insurance up to €120,0003.
  • Pay using your favourite wallet (Apple Pay, Google Wallet, Samsung Pay, Fitbit pay or Garmin Pay) with your Santander Credit Card.

securityCONTROL AND SECURITY

  • With Santander Key, you can pay all your online purchases securely. Can't remember your card PIN or CVV? Don't worry! Check your card's PIN and CVV in the app or via online banking.
  • Don't know where you put your card? You can turn off your card from the app or via online banking whenever you need to. And if you find it, turn it back on again with just a few clicks!

UNIQUE ADVANTAGES

  • The Santander Credit Card gives you access to Santander Premia2 special offers just for you and unique discounts on big brands. Check out the programme's participating brands here!
  • And if you like to travel, sign up for the Santander Iberia Plus Plan to earn Avios with your purchases and bills. You can redeem them for flights and much more!

RESPONSIBLE WITH THE ENVIRONMENT

  • With your Santander Credit Card, you can calculate and offset the carbon footprint of all your purchases. Because we only have one planet, and it is our responsibility to take care of it.
  • Santander cards are made from recycled materials.
  • What's more, you can recycle your expired cards at Santander ATMs to give them a second life.


Pay your monthly card bill the way you want to

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Full monthly payment

You can pay at the end of the month with no interest. The card is issued with this method of payment, but you can change this whenever you want.

Percentage payment (revolving)

An instalment that you can choose, calculated by applying a percentage to the drawn balance. Instalments will be at least 3% of the balance drawn down, with a minimum payment of €25.
(NIR 18%; APR 19.56%)4.

Fixed instalment payments (revolving)

This option is also available. Instalments will be at least 3% of the balance drawn down, with a minimum payment of €25 and multiples of €25, and a maximum of €600. (NIR 18%; APR 19.56%)4.

Discover the options for financing your card purchases

DEFER YOUR RETAIL PAYMENTS

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All you have to do is choose the instalments when you pay for purchases in online or physical retail shops.

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PURCHASES UP TO 1.000 €

Pay in 3

Choose a purchase you have made with your Santander Credit Card and pay it in 3 installments.

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VIA YOUR SANTANDER APP

Split purchases

An easy, flexible way to pay for your purchases in convenient instalments.

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If you are looking for more ways to get the most out of your cards...

Instant cash

Transfer money from your card to your bank account instantly and without hassle.

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Defer bill payment

Delay your monthly card payment by one month.

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Change payment method

Decide how you want to pay your monthly credit card statement via the Santander App.

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Financing bills

Were any of your bills unexpectedly high last month? Finance them in instalments without changing your method of payment.

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Always Connected

If you also think that people come first and then everything else, and that being digital is not an end but rather a means, then we are connected. At any time. However you like. Wherever you want.

Special offers

Discover the offers for your favourite brands and shops when you pay with your cards on the Santander App.

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Apply online for the card you need

At Online Banking you can see the advantages of these Santander cards and apply for them whenever you want.

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Carry out your day-to-day transactions

Control the activity of your cards, turn them off and on whenever you need to, check your PIN or CVV, defer payment of your purchases and pay with your mobile phone.

Access your bank wherever you are

Check the activity of your cards and manage them from any mobile device. You decide how, when and where to interact with your bank.

Get your codes

Your bank is always with you

Contact your Santander Personal manager to ask questions, consult the frequently asked questions, learn from our videos and find the closest ATM.

You might be interested in

Find out more

How to improve the security of your online payments

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1. Card eligibility subject to the Bank's prior approval. This card allows payment to be deferred. Bear in mind that if you choose too low a repayment, your debt may remain outstanding longer than expected, given that your monthly instalment is first used to pay interest and fees and then to repay your principal. Remember to use your credit card in a responsible manner. Engaging in excessive borrowing entails the risk of becoming over-indebted, which can have long-term consequences that may impact your financial planning. If you only have an Online Account, you can enjoy the credit card in virtual format without issuance and maintenance fees. To receive a physical copy, you will have to pay the issuance fee of €9 for a duplicate card in physical format.
2. See the terms and conditions for Santander Premia here. To get access to Santander Premia, you must be a Santander Account, Group Account or World Account customer. Customers who only have a Santander Online Account are not eligible.
3. This contract has been drawn up through Santander Intermediación Correduría de Seguros, S.A. Subject to the terms and conditions of the policy. Entered in the Special Insurance Brokerage Company Register, with code no. J-989. Third-party liability and financial capacity covered in accordance with applicable law.
4. Representative example, as per the parameters set forth in the standard on regulation and control of advertising of banking services and products: NIR 18%. APR: 19.56%, calculated based on a drawdown of €1,500 and an issuance and maintenance fee of €0. Total amount repayable €2,114.88, to be repaid in 48 monthly instalments of €44.06. However, please note that, pursuant to the minimum limits for the repayment instalments provided for in the contract (3% of the drawn balance subject to a minimum of €25) and considering the same amount drawn, the total amount repayable will be €1,835.19 to be repaid in 27 monthly instalments of €67.97. Calculations made in accordance with the fixed-instalment repayment system.
5. Amount up to €200, at three months: Fee of €2. APR: 6.22%, calculated considering a drawdown of €200. Total amount debited €202, to be repaid in three monthly instalments of €66.67 and a single fee of €2. Amount over €200 up to €300, at three months: Fee of €5. APR: 10.63%, calculated considering a drawdown of €300. Total amount debited €305, to be repaid in three monthly instalments of €100 and a single fee of €5. Amount over €300 up to €500, at three months: Fee of €7. APR: 8.84%, calculated considering a drawdown of €500. Total amount debited €507, to be repaid in three monthly instalments of €166.67 and a single fee of €7. Amount over €500 up to €1,000, at three months: Fee of €12. APR: 7.52%, calculated considering a drawdown of €1,000. Total amount debited €1,012, to be repaid in three monthly instalments of €333.33 and a single fee of €12. Amounts over €1,000 or defer any amount between three months and up to 36 months: NIR 18%. APR: 19.56%, calculated based on a drawdown of €1,500 and an issuance and maintenance fee of €0. Total amount payable €1,650.24, to be repaid in 12 monthly instalments of €137.52. Calculations made in accordance with the fixed-instalment repayment system. Fees related to the transactions performed will also be charged where applicable.

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