Santander Zero Credit Card - Santander

Santander Zero Credit Card (MasterCard)

18.9 % AER
APR Representative
1 months
Interest free balance transfers
  • 3 % (minimum £ 5) balance transfer fee
  • Cashback
  • Rewards
    • Apply by:
Top card for travellers
No fee to use it anywhere in the world
No cashback or rewards
Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.

This account may be appropriate for you if

  • Your income is at least £ 7,500 per year
  • You have a Prime credit rating
  • You want to borrow at least £ 500
  • You are older than 18


Enhanced Introductory Rate: Not applicable.

Introductory Offers

Introductory Purchase Rate Period: 12
Balance Transfers Allowed: Yes
Max Balance Transfer Limit: 95 of your credit limit
Introductory Balance Transfer Rate: 0 % AER
Balance Transfer Offer Term: 1 months
Introductory Balance Transfer Fee: 3 % (minimum £ 5)
Money Transfers Allowed: No

Overseas Use

Cost of £100 Transaction in Europe: Free
Cost of £100 Transaction Worldwide: Free
Charges for £100 International Cash Withdrawal: Free
Interest Charged on Cash Withdrawals: 18.9 % AER
Airport Lounge Access: No
Overseas Insurance:
  • Travel Accident Insurance
  • Travel Medical Insurance
  • Travel Cancellation Coverage

Payment Options

Contactless Payments
Pay Bill With Direct Debit
Make Direct Debit Payments
Optional Cheque Book


Optional concierge service
Earn Charitable Donations
Free Warranty Cover
Refund Protection
Roadside Assistance
Home Emergency Cover
Emergency Funds
Emergency Card Replacement


Minimum Monthly Repayment: statutory minimum
Interest Free Period (transactions): 56 days
Interest Free Period (cash withdrawals): 0 days
Annual Interest Rate for Purchases: 18.9 % AER

Additional Charges

Late Payment Fee: £ 12
Inactivity Fee: None
Over Limit Fee: £ 12
Returned Payment Charge: £ 12
Copy Statement Charge: £ 0
Copy Voucher Charge: £ 0


This Credit Card Is Provided By: Santander UK plc
All Qualifying Applicants Offered Advertised Rate: Yes

Moneywise Best Buys

Credit Cards

American Express Platinum Cashback Credit Card - American Express£ 120
Tandem Cashback Credit Card - Tandem£ 30
American Express Platinum Cashback Everyday Card - American Express£ 98
Aqua Reward Credit Card - Aqua£ 30

* Cashback on a spending scenario of £500 per month