Cards
Pay smarter with Santander. A smarter credit card1 experience, with added benefits, flexibility and security every time you pay.
€0 issuance and maintenance fee.
An all-in-one card designed for your daily life
More benefits
Do you want us to refund you up to €120 net per year2?
More control
Shop online with confidence: payments are not taken from your account immediately, giving you time to review your transactions. Plus:
More security
Your purchases are more protected, and so is your money.
Because transparency should never come with fine print.
You pay absolutely nothing for holding the card
€0 issuance and maintenance fee.
Control your spending
Pay for your purchases at the start of the following month with the Monthly Full Payment option (APR 0%).
Travel without worries
No commission on purchases in currencies other than the euro when you travel5.
You can pay the first days of the following month without interest (0% APR). The card is issued with this method of payment, but you can change this whenever you want.
You choose the quota. It will be calculated by applying a percentage of the balance drawn down (from 3% of the balance drawn, with a minimum of €25) and delay the rest for the following month (NIR 18%. APR 19,56%)6.
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 (NIR 18% APR 19,56%)6.
Shop just as your normally would, as you will not be charged an exchange fee if you pay in a currency other than the euro5.
Yes, you can make free cash withdrawals by debiting your account from Santander ATMs in Spain by selecting "Debit cash withdrawal" on the screen.
With the Santander Travel Programme, you can withdraw cash abroad up to three times a month, free of charge, from any cash machine in the world. Please note that the cashpoint may charge a fee.
You can turn it off via the Santander App and turn it back on when you find it.
Lock it via the app if you've permanently lost your card or can't find it. In just a few clicks, you'll have a new one that you can start using right away from your mobile wallet.
All the information about revolving payments can be found here.
Get the Santander Credit Card with no issuance or maintenance fees.
More than 3 million customers are already paying smarter. What are you waiting for?
1. Card eligibility subject to the bank's prior approval. This card allows payment to be deferred (revolving). Remember to use your credit card in a responsible manner. Abuse of financial services entails a risk of over-indebtedness with long-term consequences that may affect your financial planning.
2. Once the tax withholding has been applied in accordance with the Current Regulations. Maximum refund €10 net/month. Promotion valid until 30/06/2026 for customers who take out the Santander Credit Card for the first time in the App or Website. Check the conditions of the promotion here.
3. See the Santander Premia terms and conditions here. To get access to Santander Premia, you must be a holder of a Santander Account, Group Account or World Account. Excludes customers who only have an Online Account at the Bank.
4. The Plan costs €5/month. The service has a minimum term of two (2) months.
5. Always choose to pay in local currency on the card machine. The applicable exchange rate into euros will then be applied.
6. Representative example (as per the parameters set out in the standard on the regulation and control of advertising of banking services and products): NIR 18%. APR: 19,56% , calculated on the basis of 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, in accordance with the minimum limits for the repayment instalments set out in the agreement (3% of the drawn balance with a minimum of €25) and considering the same drawdown, 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.
English
Spanish
Catalan
