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SpanishSantander Credit Card
Pay Smarter. Pay smarter and enjoy benefits, control and security.
- Get cash back when you pay with your card.
- Benefits, control and security for you.
- €0 issuance and maintenance fees.
Level up your purchases with the Santander Credit Card
We'll give you 1% back on all your purchases for a year2
- Get it before 30.06.2025 and you can earn up to €10 net each month. In a year you could earn up to €120.
- And you continue to get more cash back, discounts and promotions when paying with your card thanks to Santander Premia3 and the Plan Santander Iberia Club4.
Control over your purchases
Shop online with complete confidence because your money is better protected. Payments are not charged to your account immediately, so you have time to verify that the transactions are correct.
- You have the flexibility to pay for your purchases with no interest (APR 0%):
- At the end of the month
- Or any day before the end of the month, if you prefer. Simply via your Santander App, under Card Deposit. You can only do this if you have the end-of-month payment option.
- With this card, you can easily organise your expenses, separating daily payments from fixed expenses like rent, mortgage or recurring bills. A true ally in controlling your purchases!
Security and peace of mind for you
Your purchases are more protected, and so is your money.
- If you detect a purchase you don't recognise, you can instantly lock your card and request a refund to your card before the money leaves your current account.
- If you've made an online purchase and it doesn't arrive, we can claim it together before the money leaves your current account.
Apply for your Santander Credit Card now.
And unlock more benefits by using it for everyday and extraordinary things.
Looking for more benefits and promotions?
Pay with this card and get much more for your purchases
You don't pay to have it
Issuance and maintenance fee.
Control your purchases
For paying for your purchases in the first days of the following month with the Monthly Total Payment (0%APR) modality.
And if you go on a trip
Commission when making purchases in currencies other than the Euro.
And whenever you want, you can switch to the payment method that best suits you
Full monthly payment
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.
Percentage payment (revolving)
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%)5.
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 (NIR 18% APR 19,56%)5.
When you need it, this card is there to help you
And now we'll answer your questions
- You have a certain amount of money called a "credit limit" available on your card.
- Every time you make a purchase or withdraw cash from an ATM, you'll use that credit. That is, the amount will not be charged to your current account at that time.
Shop just as your normally would, as you will not be charged an exchange fee if you pay in a currency other than the euro.
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.
Yes, the Santander Credit Card has accident insurance of up to €120,0006.
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.
Switch to the card that offers you benefits, control and security. Pay Smarter
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. The maximum monthly refund amount to be received will be €10 net/month. Amount subject to withholding in accordance with current tax regulations. Promotion valid until 30 June, 2025 for customers who apply for a Santander Credit Card for the first time. ATM withdrawals do not count towards the promotion. See terms and conditions of the offer 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 €4/month. The service has a minimum term of two (2) months.
5. 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.
6. Insurance mediated by Santander Intermediación, Correduría de Seguros, S.A. (LINKED TO SANTANDER SEGUROS Y REASEGUROS COMPAÑÍA ASEGURADORA, S.A.), is registered in the Special Register of Insurance Brokerage Companies, with the code J-989, has Civil Liability Insurance and has the financial capacity in accordance with current legislation.