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The Santander Edge Credit Card is a cashback-focused credit card, primarily designed for existing Santander personal current account holders.

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It offers 2% cashback on all purchases in the first year (up to £15 per month), and 1% after that, also capped at £15 per month. The card comes with a £3 monthly fee, which equates to £36 annually.

A key feature of this card is that it allows fee-free spending abroad, making it suitable for international use. Cardholders also access Santander Boosts, which provides tailored cashback offers, discounts, and prize draws across various brands.

The card carries a representative APR of 29.8% (variable) and is only available to UK residents who meet specific income and account requirements.

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Santander Edge Credit Card Benefits

The Santander Edge Credit Card offers a range of benefits aimed at providing value through cashback and other perks. Designed for existing Santander personal current account holders, this card combines cashback on everyday purchases with fee-free spending abroad, making it a versatile option for many cardholders.

Below are the key benefits of the Santander Edge Credit Card, each explained in detail.

2% Cashback in the First Year

For the first 12 months, cardholders earn 2% cashback on all purchases, capped at £15 per month. This means that by spending £750 a month, you can reach the maximum cashback limit.

This cashback is automatically credited to your account and reduces the amount you owe on your statement.

1% Cashback After the First Year

After the first year, the cashback rate drops to 1%, still capped at £15 monthly. Users need to spend £1,500 monthly to maximize the cashback benefits to reach the cap.

Fee-Free Spending Abroad

One of the standout features of this card is the absence of foreign transaction fees on purchases made abroad. Whether you’re traveling or making purchases from international retailers, you can use the card without worrying about additional charges.

However, note that cash withdrawals abroad do incur a 3% fee.

Access to Santander Boosts

Cardholders can benefit from Santander Boosts, which offers personalized cashback deals, discounts, and prize draws across a wide range of brands.

This feature adds extra value to your everyday spending, providing tailored offers based on your preferences.

Fraud Protection and Card Controls

The Santander Edge Credit Card offers several security features to protect users. These include fraud detection systems, the ability to temporarily freeze your card if lost, and the option to block specific transaction types like gambling or international purchases.

These controls can be easily managed through the Santander mobile banking app.

Prerequisites to Obtain the Santander Edge Credit Card

To apply for the Santander Edge Credit Card, there are several key prerequisites that applicants must meet.

The card is exclusively available to Santander UK personal current account holders. Below are the main requirements:

  • Santander Current Account: Applicants must have a personal UK current account with Santander, and they will need to provide the account number and sort code during the application process.
  • Minimum Income: The applicant must have an annual income of at least £10,500.
  • Age Requirement: The minimum age for applying is 18 years.
  • UK Residency: Applicants must be permanent residents of the UK
  • Don’t already have a Santander Edge Credit Card
  • No Existing Santander Edge Credit Card: The applicant cannot already hold a Santander Edge Credit Card.
  • Good Credit Standing: Applicants must not have been declared bankrupt, or had a County Court Judgement (CCJ) or an Individual Voluntary Arrangement (IVA) in the last six years.

In addition, a credit check will be conducted during the application process, which will be recorded on the applicant’s credit file.

About Santander Bank

Santander UK is a subsidiary of the Spanish-based multinational bank Banco Santander. It has been operating in the UK since 2004, following the acquisition and rebranding of three prominent British building societies: Abbey National, Alliance & Leicester, and the savings arm of Bradford & Bingley.

Over the years, Santander UK has grown into one of the leading retail and commercial banks in the UK, serving over 14 million customers across various financial services such as personal banking, mortgages, and corporate banking.

Santander UK operates with over 440 branches and a significant digital presence, with around 7 million digital customers. It is part of the larger Banco Santander Group, which has a global presence in 25 countries.

Santander UK emphasizes customer engagement, offering services like digital mortgage retention and various tools to support financial management.

Santander is known for its efforts to innovate in digital banking, including the introduction of mobile apps and a comprehensive online banking platform.

It is also regulated by both the Financial Conduct Authority and the Prudential Regulation Authority, ensuring strong governance and customer protection.

Who is the Santander Edge Credit Card for?

The Santander Edge Credit Card is aimed at existing Santander UK personal current account holders who want to earn cashback on everyday spending.

It suits individuals with a minimum income of £10,500 per year, aged 18 or over, and permanently residing in the UK. This card is particularly appealing to those who make regular purchases, travel abroad, and seek a straightforward way to earn cashback.

It is designed for customers who can make use of the 2% cashback in the first year and fee-free foreign spending, offering benefits for both domestic and international spending.

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Step by Step to Apply for the Santander Edge Credit Card

To apply for the Santander Edge Credit Card, follow these steps:

  1. Check Eligibility: Ensure that you meet the requirements.
    • Have a personal UK current account with Santander.
    • Be 18 years or older and a permanent resident of the UK.
    • Have a minimum annual income of £10,500.
    • Not currently hold a Santander Edge Credit Card.
  2. Prepare Documents: You’ll need your Santander account number and sort code ready during the application. Additionally, you should review the Key Facts Document and Terms & Conditions available on the Santander website.
  3. Complete the Online Application:
    • Visit the Santander Edge Credit Card page.
    • Follow the on-screen instructions to fill out your details. A credit check will be carried out, and your credit file will show the search.
  4. Credit Limit & Decision: After submitting your application, Santander will inform you of the credit limit based on your financial standing.
  5. Download Santander Mobile Banking: You can manage your card through Santander’s Mobile Banking app

If you prefer, you can also apply at a local Santander branch.

Santander Edge Credit Card Pros and Cons

The Santander Edge Credit Card offers a mix of positives and negatives for potential users.

While it is primarily designed for cashback rewards and international spending, it also has some limitations in terms of fees and interest rates.

Pros

  • 2% Cashback in Year One: You can earn 2% cashback on all purchases in the first year, capped at £15 per month. After the first year, this drops to 1% cashback, still capped at £15 monthly.
  • No Foreign Transaction Fees: The card does not charge foreign transaction fees on purchases abroad, making it useful for international travelers.
  • Access to Santander Boosts: Cardholders can benefit from additional cashback offers, discounts, and prize draws from various retailers.
  • Flexible Card Controls: You can manage and block transactions such as gambling or online spending through the mobile app, adding an extra layer of security.

Cons

  • Monthly Fee: The card has a £3 monthly fee, totaling £36 annually, which reduces the overall cashback you can earn.
  • High Interest Rates: The card has a representative APR of 29.8% (variable) and a purchase rate of 23.9% p.a. (variable), which can quickly accumulate if you don’t pay off your balance in full each month.
  • Limited Cashback Cap: Even with a 2% cashback in the first year, the maximum cashback you can earn is capped at £15 per month. If you don’t reach the spending threshold, the effective cashback rate could be lower.
  • ATM Withdrawal Fees: While there are no fees on purchases abroad, withdrawing cash from an ATM will incur a 3% charge (minimum £3), along with interest charges.

​Fees and Tariffs

The Santander Edge Credit Card comes with several fees that cardholders should be aware of.

Here’s a breakdown of the main costs associated with the card:

  • Monthly Fee: The card has a £3 monthly fee, which totals £36 annually.
  • Interest Rate: The purchase interest rate is 23.9% p.a. (variable), with a representative APR of 29.8% (variable).
  • Foreign Transactions: There are no fees for spending abroad on purchases, making it an attractive option for international use. However, if you withdraw cash abroad, a 3% fee (minimum £3) applies.
  • Late Payment Fee: A late payment will incur a £12 charge, which is a standard penalty for missing the minimum payment deadline.

Customer Service

Here are the official channels for assistance regarding the Santander Edge Credit Card:

Customer Service Contact Number
If you need to speak to a representative, you can call Santander’s customer service at:

    • UK Customers: 0800 9 123 123
    • International: +44 1908 237 963

Lost or Stolen Cards
For reporting a lost or stolen card, you can contact Santander’s emergency helpline at:

    • UK Customers: 0800 9 123 123
    • International: +44 1512 648 725

Branch Locator
To find a Santander branch near you, use the Branch Locator tool.

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