Santander: 123 Credit Card

Card Name:123 Credit Card
Networks available:Mastercard
Representative example:Based on a credit limit of £1200 charged at 12.7% variable p.a. for purchases. Annual fee of £36. Representative 16.5% APR variable.
Product summary:If you are a frequent commuter and supermarket shopper then this card is right for you. Earn 3% cashback at all major petrol stations. Monthly cashback straight to your card.
123 Credit Card
Rates & Fees
Introductory offers
Intro balance transfer rate0%
Intro balance transfer period0% for 23 months
Intro balance transfer fee0%
Intro purchase rate0%
Intro purchase period0% for 23 months
Other rates and fees
Representative APR18.4% APR (Representative)
Interest free period56 days
Interest charged fromdate of trans debit
Annual fee£0
Interest on cash withdrawals29.9%
Charges and payments
Charge on overseas spending0%
Charge on cash withdrawals3% of withdrawal (minimum £3)
Charge for going over limit£12
Charge for late payment£12
Charge for returned payment£12
Rewards & Benefits
Spending Rewards
Cashback RewardsA cashback reward program is available. Customers will receive up to 3% on purchases. Details as follows: 1% at supermarkets (on spend up to £300 per month) 2% at department stores (on spend up to £150 per month) 3% at major petrol stations, and on National Rail and Transport for London travel, including Santander Cycles (on combined spend of up to £100 a month). There is an overall maximum cashback, that can be earned each month, of £3 per category. Retailer Offers - cashback offers available at participating retailers of up to 15% when the customer shops with their credit card. The customer must register for Retailer Offers, and the service is available to those who use online or mobile banking. The cashback will be paid monthly into a chosen account. There is an overall maximum cashback, that can be earned each month, of £3 per category.
Points Scheme-
Shopping Rewards-
Charity Rewards-
Other Incentives30% off Santander home insurance when applied for online. Terms and conditions may apply. 30% off Santander travel insurance when applied for online.
Cardholder benefits
0% on overseas purchasesCheck
Travel insurance-
Warranty cover-
Purchase protection-
Internet fraud protectionyes
Opening and managing the account
Application information
Minimum age18 years
Minimum income£7,500 per annum
Credit ratingPrime
Existing customers only-
Additional account required-
Apply onlineCheck
Maximum credit limit£0
Account services
Manage onlineCheck
Cheque bookCheck