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Pay smartly with the Santander credit card
- Santander credit card1, with no issuance or maintenance fee.
- Cashback on your purchases.
- Flexibility to pay for your purchases.
Santander Credit Card
- Benefits when paying abroad.
- €0 issuance and maintenance fee.
- €0 for debit cash withdrawals at any Santander ATM worldwide.
Santander Prepaid Card
- Top up with up to €900.
- €0 issuance fee. €10 annual maintenance fee.
- Manage it via the app.
Via-T Electronic Toll
- Enjoy a dedicated lane so you can pass through toll booths without having to stop.
- Super easy to install in any vehicle.
- Valid in Spain and Portugal.
Looking for something extra? Discover the benefits of our credit cards
Plan Santander Iberia Club2
Discounts at Iberia, earn Avios in your daily spending and redeem them for flights, hotels and more.
Santander Premia3
You'll get refunds and discounts on purchases made with your Santander credit card at top brands.
Santander Travel Programme4
Discover the world without worrying about how you're going to pay.
Santander SMusic
Access exclusive presales for concerts and festivals with your card.
Pay in instalments and arrange financing
Discover all the solutions we offer if you need to pay for something at your own pace.
Santander Boutique5
Do you want it? You got it! Get your hands on the latest technology with financing tailored to you.
What type of card do you need?
|
Santander Credit Card |
Santander Debit Card | |
|---|---|---|
| Benefits (loyalty programmes, cashback, discounts) | Yes | No |
|
Flexible payment options | Yes, at the end of the month, or any day before that using the "Deposit onto card" option, in either case at 0% APR. | The money is immediately withdrawn from your current account. |
|
Organise your expenses | You can use it to separate your daily expenses from the monthly expenses (bills, mortgage, etc.) that are charged to your current account. | No, all expenses are charged to your current account. |
|
Purchase protection, for example to guard against fraud | Yes. You can block your card and request a refund before the money leaves your account. | Yes, you can block your card and request a refund, but your money will be immediately withdrawn from your current account. If the case is decided in your favour, the amount will be refunded to you. |
|
Debit cash withdrawals (no fee charged at Santander ATMs in Spain) | Yes | Sí |
|
Purchases abroad in non-euro currency | €0 commission when you select the local currency on the card terminal, whereupon the corresponding euro exchange rate will be applied. | 3% commission on the amount you buy. |
|
Issuance and maintenance fee | €0 | €0 |
Common questions about cards
Cards allow you to make payments easily and securely without the inconvenience of using cash.
With a debit card, the amount of your purchases is charged directly to your account. With a credit card, you pay at the end of the month or in instalments, with the flexibility to choose how and when to pay it back.
If this is your first time using your card, you can easily activate it from your app or online banking.
Yes, just follow these simple steps: Make in-store purchases with your card. You then authorise the online purchase using Santander Key./span>
You can pay with your mobile devices through Apple Pay, Google Pay, Samsung Pay, Garmin or Fitbit. You can add your card to iOS mobile devices (using Apple Wallet) or Samsung Android (using Samsung Pay) via the Santander App or through the leading payment apps (Google Wallet, Garmin and Fitbit).
Outside the eurozone, you'll pay €0 commission when using your Santander credit card for purchases in foreign currency, provided you select the local currency on the card terminal, whereupon the corresponding euro exchange rate will be applied.
With the Santander debit card, a 3% fee will be charged on the euro equivalent of all transactions you make outside the eurozone, based on the exchange rate applied by the payment systems on the date they process the corresponding settlement.
Block it immediately from the Santander app or online banking and we'll also provide you with a new digital card instantly. You can also block it by calling Superlínea 915 123 123
It will depend on the payment method you have selected. For example, with the end-of-month payment option, you repay the full amount of credit you used during the agreed billing period, and when this ends you will pay no interest (0% NIR and 0% APR). However, if you pay with a credit card in deferred payment mode or if you use any financing feature, you will pay associated interest or fees.
Yes. You can change the payment method for your card at any time via the Santander app or website.
With Santander Premia, you earn discounts and cashback across a range of brands. You won't need to register, just go to Santander Premia, choose the brand that interests you most and pay with your Santander credit card.
Plan Santander Iberia Club. It allows you to earn Avios on your everyday purchases, which you can redeem for discounts on flights, hotels and many other experiences.
1. Issuance of the card is subject to prior approval by the Bank. This card allows deferred payment (revolving). Bear in mind that, if you choose a monthly instalment that is too low, your debt may last longer than expected, as the monthly payment will be applied first to interest and fees, and a smaller portion to repaying the principal. Remember to use your credit card responsibly. Overreliance on credit carries a risk of over-indebtedness with long-term consequences that could affect your financial planning.
2. The cost of the Plan is €4/month. It has a minimum term of two (2) months.
3. Click here to view the terms and conditions of Santander Premia. To be eligible for Santander Premia, you must hold a Santander Account, Colectivos Account or Mundo Account. Customers who hold only an Online Account with the Bank are excluded.
4. The cost of the Plan is €3/month. It has a minimum term of two (2) months.
5. Click here to view the terms of use of Santander Boutique. For purchases, the seller is “Venta Directa y Promociones Financieras, S.L.” (with tax no. B82162363), a company unrelated to the Bank. The Bank is merely an intermediary with a commercial interest in each sale made through Santander Boutique. The seller alone is responsible and liable for all the product information provided.
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