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 £24 applies. 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 APR16.5% APR (Representative)
Interest free period56 days
Interest charged fromdate of trans debit
Annual fee£24
Interest on cash withdrawals29.9%
Charges and payments
Charge on overseas spending2.95%
Charge on cash withdrawals
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 2% at department stores 3% on National Rail and Transport for London tickets, also petrol spend (maximum £300 per month). 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 uses online or mobile banking. The cashback will be paid monthly into a chosen account.
Points Scheme-
Shopping Rewards-
Charity Rewards-
Other Incentives30% off Santander home 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