Santander World Elite Mastercard Review 2026

Details checked Aug 2026Got this card? Leave a review

Cashback

0.5%

Rep. APR

49.8%

Variable

Annual fee

£180

£15 per month

Spending abroad

Free

No foreign transaction fees

Lounge access

Included

How you earn

0.5% cashback on all purchases.

Cashback capped at £15 per month.

Opening offer

£90 opening cashback offer, subject to current offer terms.

LoungeKey access and airport fast track.

Using it abroad

No non-sterling transaction fee on purchases.

Converts at the Mastercard exchange rate.

See today's live travel money rates

Who can apply

Santander Select or Private Banking customer.

Current but exclusively available to Santander Select and Private Banking customers.

Our Expert Opinion on Santander World Elite Mastercard

The Santander World Elite Mastercard is best suited to Santander Select or Private Banking customers who travel frequently, as it charges no non-sterling transaction fees on Mastercard and sits practically nothing off the real exchange rate abroad, which we measure as matching the best cards available. The £15 per month fee is the genuine catch here, and the cashback earn rate of 0.5% is 0.24% below the typical reward card, with monthly cashback capped at £15. I would weigh that fee carefully unless you are getting real value from the LoungeKey access and airport fast track perks.
Jan Watermann (Co-Founder)DepositScout

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