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DEFER YOUR RETAIL PAYMENTS
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Before we start … Find our more!
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The card has no issuance or maintenance fees1. It also includes accident insurance of up to €120,0002.
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The card is issued as a Full Monthly Payment card by default. What does this mean? That you will not pay for your puchases until the following month.
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With the Santander App, you will receive a notification for each transaction with your card. Avoid surprises and keep your expenses under control.
Split your purchases over three months interest-free!
You can split your purchases in three payments, with zero interest and no fees (AER 0%)3.
Here's how with an example:
card Let's say you made a purchase worth €300. |
transfer You can split your purchase in three instalments. |
atm Pay €100 every month. No interest or fees. |
Enjoy more benefits with the Santander Credit Card.
Discover everything your Santander Credit Card has to offer
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Full monthly payment You can pay at the end of the month with no interest. The card is issued with this method of payment, but you can change this whenever you want. |
Percentage payment (revolving) An instalment that you can choose, calculated by applying a percentage to the drawn balance. Instalments will be at least 3% of the balance drawn down, with a minimum payment of €25. |
Fixed instalment payments (revolving) This option is also available. Instalments will be at least 3% of the balance drawn down, with a minimum payment of €25 and multiples of €25, and a maximum of €600. (NIR 18%; APR 19.56%)5. |
DEFER YOUR RETAIL PAYMENTS
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PURCHASES UP TO 1.000 €
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VIA YOUR SANTANDER APP
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Defer bill payment
Change payment method
Financing bills
If you also think that people come first and then everything else, and that being digital is not an end but rather a means, then we are connected. At any time. However you like. Wherever you want.
Discover the offers for your favourite brands and shops when you pay with your cards on the Santander App.
At Online Banking you can see the advantages of these Santander cards and apply for them whenever you want.
Control the activity of your cards, turn them off and on whenever you need to, check your PIN or CVV, defer payment of your purchases and pay with your mobile phone.
Check the activity of your cards and manage them from any mobile device. You decide how, when and where to interact with your bank.
Contact your Santander Personal manager to ask questions, consult the frequently asked questions, learn from our videos and find the closest ATM.
FAQs
SANTANDER BLOG
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Difference between credit and debit cards
FAQs
1. Card eligibility subject to the Bank's prior approval. This card allows payment to be deferred. Bear in mind that if you choose too low a repayment, your debt may remain outstanding longer than expected, given that your monthly instalment is first used to pay interest and fees and then to repay your principal. Remember to use your credit card in a responsible manner. Engaging in excessive borrowing entails the risk of becoming over-indebted, which can have long-term consequences that may impact your financial planning. If you only have an Online Account, you can enjoy the credit card in virtual format without issuance and maintenance fees. To receive a physical copy, you will have to pay the issuance fee of €9 for a duplicate card in physical format.
2.This contract has been drawn up through Santander Intermediación Correduría de Seguros, S.A. Subject to the terms and conditions of the policy. Entered in the Special Insurance Brokerage Company Register, with code no. J-989. Third-party liability and financial capacity covered in accordance with applicable law.
3. Amount to finance, from €100 to €1000. The card is only available for holders of the Santander Credit Card who have not split any purchases in the last twelve months before the start of this promotion. Read the terms and conditions of the promotion here. Promotion valid until 31/01/2025.
4. See the terms and conditions for Santander Premia here. To get access to Santander Premia, you must be a Santander Account, Group Account or World Account customer. Customers who only have a Santander Online Account are not eligible.
5. Representative example, as per the parameters set forth in the standard on regulation and control of advertising of banking services and products: NIR 18%. APR: 19.56%, calculated based on a drawdown of €1,500 and an issuance and maintenance fee of €0. Total amount repayable €2,114.88, to be repaid in 48 monthly instalments of €44.06. However, please note that, pursuant to the minimum limits for the repayment instalments provided for in the contract (3% of the drawn balance subject to a minimum of €25) and considering the same amount drawn, the total amount repayable will be €1,835.19 to be repaid in 27 monthly instalments of €67.97. Calculations made in accordance with the fixed-instalment repayment system.