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Banco Santander
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Before we start … Find our more!

Zero fees

The card has no issuance or maintenance fees1. It also includes accident insurance of up to €120,0002.

Enjoy first, pay later

The card is issued as a Full Monthly Payment card by default. What does this mean? That you will not pay for your puchases until the following month.

No surprises. Leave the surprises for your birthday

With the Santander App, you will receive a notification for each transaction with your card. Avoid surprises and keep your expenses under control.

Split your purchases over three months interest-free!

You can split your purchases in three payments, with zero interest and no fees (AER 0%)3.

Here's how with an example:

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Let's say you made a purchase worth €300.

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You can split your purchase in three instalments.

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Pay €100 every month. No interest or fees.

 

Enjoy more benefits with the Santander Credit Card.

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Discover everything your Santander Credit Card has to offer Santander

Take control of your card

  • You set (and remove) the limits: you decide the limit you want for your card.
  • A monthly summary of your spending: in one place - your app.
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Secure at all times

  • Switch it on, off or ask for a new one: Can't get it? Turn it off! Do you want to start using it? Turn it on! In case of loss or theft, you can block it and order a new one in two clicks, all from the App.
  • Rest assured that the card protects your money: As you will pay the first days of the following month, the amount does not leave your account immediately, so you have time to verify that all your movements are correct.
  • Take advantage of Santander Key: you can use it to pay for all your online purchases securely.
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Make your spending give you more

  • The boomerang effect: we give you back part of your purchases and exclusive discounts on your favourite brands at Santander Premia4.
  • The top of the technology financing to suit you: discover the products we have for you at Santander Boutique5


     
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Take advantage of it while traveling

  • Purchases abroad: when you pay with your card in a currency different from the Euro, you will not have a currency exchange fee.
  • Get the most out of your trips with the Santander Travel Programme.
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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.

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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%)6.

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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%)6.

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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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1. Card eligibility subject to the Bank's prior approval. This card allows payment to be deferred(revolving). 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.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.
3. Amount to finance, from €100 to €1000. The card is only available for holders of the Santander Credit Card who have not split any purchases in the last twelve months before the start of this promotion. Read the terms and conditions of the promotion here. Promotion valid until 31/01/2025.
4. 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.
5. Check here the Terms and Conditions of use of Santander Boutique. In the case of Purchase, the seller is "Venta Directa y Promociones Financieras, S.L.", CIF: B82162363; it is a company outside the Bank. The Bank is a mere intermediary with a commercial interest in each sale made through Santander Boutique. All product information is provided by the seller under his sole responsibility.
6. 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.

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