Santander Zero Credit Card Mastercard Review April 2019

Santander Zero Credit Card Mastercard
Santander Zero Credit Card Mastercard

A great card for regular travellers with big savings on fees.

Travelling abroad is easier with the Santander Zero Credit Card Mastercard.

Take advantage of no foreign transaction fees or cash withdrawal fees wherever you are in the world.

There’s no annual fee and you can also sign up to the Retailer Offers cashback programme.

IssuerSantander
NetworkMastercard
Annual/monthly fees£0
Balance transfers0% for 1 months reverting to 18.9%
Balance transfer fee3% (min. £5)
Purchases0% for 12 months reverting to 18.9%
Purchases interest-free periodUp to 56 days
Cash advances18.9%
Min. credit limit£500
Max credit limitNot specified
Additional cards available3
IncentiveRetailer offers - 5 Welcome offers of up to 25% cashback at well-known retailers (must switch on Retailer Offers within 60 days of activating card).
Annual/monthly fees£0
Balance transfer fee3% (min. £5)
Foreign usage charge (EU)0%
Foreign usage charge (rest of world)0%
Cash advance fee0%
Late payment fee£12
Duplicate statement fee£0
Exceeding limit fee£12
Additional card fee£0
Dormancy fee£0
Minimum Age18
Minimum income£7,500
ResidencyUK Resident
AvailabilityAvailable to new customers
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
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How does this card compare with other similar cards on the market?

Comparison ordered by representative APR with affiliated products shown first.
Updated April 22nd, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
9.9%
6.9%
£0
9.9%
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
9.9%
6.9%
£0
9.9%
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
24.9%
N/A
£0
24.9%
No fees for making purchases or withdrawing cash abroad – currencies are converted at the standard Mastercard exchange rate.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
39.941%
N/A
£0
39.9%
Upgrade to Capital Club (£199 p.a.) to earn reward points redeemable for cashback or Avios. Redeem 1 Avios for every £1 of card spend, or claim 1% cashback. In addition earn 20,000 points bonus when you spend £5,000 in your 1st 3 months.
Representative example: When you spend £1,200 at a purchase rate of 39.941% (variable) p.a., your representative rate is 39.9% APR (variable).
9.9%
6.9%
£0
9.9%
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
9.9%
9.9%
£0
9.9%
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
9.9%
9.9%
£0
9.9%
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
12.9%
12.9%
£0
12.9%
Representative example: When you spend £1,200 at a purchase rate of 12.9% (variable) p.a., your representative rate is 12.9% APR (variable).
14.9%
14.9%
£0
14.9%
Representative example: When you spend £1,200 at a purchase rate of 14.9% (variable) p.a., your representative rate is 14.9% APR (variable).
0% for 12 months reverting to 15.9%
0% for 12 months reverting to 15.9%
£0
15.9%
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a., your representative rate is 15.9% APR (variable).
0% for 12 months reverting to 18.9%
0% for 1 months reverting to 18.9%
£0
18.9%
Retailer offers - 5 Welcome offers of up to 25% cashback at well-known retailers (must switch on Retailer Offers within 60 days of activating card).
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
18.9%
N/A
£0
18.9%
Earn cash back on all purchases over £1 worldwide.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
19.95%
19.95%
£0
19.9%
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 26 months reverting to 15.9%
0% for 26 months reverting to 15.9%
£3 per month
21.7%
Free access to preferential rates, exclusive offers and discounts at 123 World.
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. with a fee of £3 per month, your representative rate is 21.7% APR (variable).
0% for 12 months reverting to 21.9%
0% for 12 months reverting to 21.9%
£0
21.9%
Earn cashback when you shop online with over 500 top brands with Virgin Money Back.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
0%
0%
£14 per month. Customer with a card credit limit of £1200: £14 per month. Customer with a card credit limit of £225: £8 per month. Customer with a card credit limit of £250: £3 per month
28.9%
Representative example: When you spend £1,200 at a purchase rate of 0% (variable) p.a. with a fee of £14 per month. Customer with a card credit limit of £1200: £14 per month. Customer with a card credit limit of £225: £8 per month. Customer with a card credit limit of £250: £3 per month, your representative rate is 28.9% APR (variable).
34.95%
34.95%
£0
34.9%
Free Credit Checker provided by Noddle, customers receive free unlimited access to their credit report.
Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) p.a., your representative rate is 34.9% APR (variable).
34.95%
34.95%
£0
34.9%
Free Credit Checker provided by Noddle, customers receive free unlimited access to their credit report.
Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) p.a., your representative rate is 34.9% APR (variable).
0% for 18 months reverting to 18.9%
0% for 18 months reverting to 18.9%
£15 per month
49.8%
Global Wi-Fi provided through Boingo.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).
0% for 8 months reverting to 18.9%
0% for 8 months reverting to 18.9%
£0
18.9%
Cash exchange fee waived when used to purchase foreign currency in Post Office branches or online.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
21.9%
21.9%
£0
21.9%
No non-sterling transaction fees on foreign spend and ATM withdrawal until 31.8.23.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
N/A (this product is a charge card).
N/A
£0
N/A (this product is a charge card).
Coutts Concierge service that gives you 24/7 access to expert help and advice, from flight information, tickets, accommodation, car hire, emergency currency lost passports, messaging and interpretation services.
13%
13%
£0
13%
Representative example: When you spend £1,200 at a purchase rate of 13% (variable) p.a., your representative rate is 13% APR (variable).
18.9%
18.9%
£30 per annum (fee paid is per business, not per card)
23.7%
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of . All - Fee paid is per business, not per card: £30 per annum, your representative rate is 23.7% APR (variable).
14.816%
14.816%
£70 per annum
29%
Free 'online account servicing'.
Representative example: When you spend £1,200 at a purchase rate of 14.816% (variable) p.a. with a fee of £70 per annum, your representative rate is 29% APR (variable).
14.816%
14.816%
£70 per annum
29%
Free 'online account servicing'.
Representative example: When you spend £1,200 at a purchase rate of 14.816% (variable) p.a. with a fee of £70 per annum, your representative rate is 29% APR (variable).
14.71%
N/A
£0
14.7%
Coutts Travel Rewards available if you shop in the US between 1.7.17 and 30.9.19.
Representative example: When you spend £1,200 at a purchase rate of 14.71% (variable) p.a., your representative rate is 14.7% APR (variable).
18.9%
18.9%
£84 per annum. Reward Black Current Account holders: £0 per annum
37.1%
1% Rewards earned on supermarket spend and 0.5% at their petrol stations, at least 1% Rewards earned at MyRewards retailers and 0.5% everywhere else when shopping at home and abroad. 5 Rewards is £5 when redeemed. Rewards can be converted into money and transferred to a current account, exchanged for gift cards or tickets with some retailers doubling their value or converted into money and donated to one of the RBS Group chosen charities.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 37.1% APR (variable).
18.9%
18.9%
£84 per annum. Reward Black Current Account holders: £0 per annum
37.1%
1% Rewards earned on supermarket spend and 0.5% at their petrol stations, at least 1% Rewards earned at MyRewards retailers and 0.5% everywhere else when shopping at home and abroad. 5 Rewards is £5 when redeemed. Rewards can be converted into money and transferred to a current account, exchanged for gift cards or tickets with some retailers doubling their value or converted into money and donated to one of the RBS Group chosen charities.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 37.1% APR (variable).

Compare up to 4 providers

Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0800 389 9905), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:
Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the Santander Zero Credit Card Mastercard

If you’ve compared cards and want to apply, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.

*Disclaimer: The offers compared on this page are chosen from a range of products finder has access to track details from and is not representative of all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The use of terms "Best", "Top", "Cheap" including variations, are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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