In this guide, we’ll walk you through the key requirements, how the Santander Edge Credit Card rates work, and what you can expect during the application process — so you can make the most of your card’s features and benefits.
What can I expect while applying for a Santander Edge Credit Card?
When applying, you can expect:
✅ Annual income of at least £10,500.
✅ A monthly fee of £4 (which totals £48 per year).
✅ Minimum credit limit of £500, subject to approval.
✅ A representative APR of 37.8 % (variable).
✅ Instant decision if you meet all the criteria.
The application takes only a few minutes and can be done online. You’ll receive a decision shortly after submitting your details.
How do the rates work?
The representative example assumes:
- Credit limit of £1,200.
- Purchase rate of 29.9 % p.a. (variable).
- Monthly fee of £4 included in the cost.
Interest is charged on purchases from the date of the transaction until the balance is fully repaid, unless you pay the full amount each month and on time — which allows you to enjoy up to 56 days interest-free.
Where do I apply?
You can apply directly through Santander’s website.
Simply complete the eligibility form, submit your information, and once approved, you’ll be able to activate your card and start using it immediately.
Funds become available as soon as your card is activated, and your cashback rewards start from your first purchase.
Why consider the Santander Edge Credit Card?
It combines flexibility and reliability — offering cashback on everyday purchases and no foreign transaction fees abroad.
With digital convenience and straightforward management via the Santander app, it’s an ideal choice for customers who want both value and simplicity.
Ready to check your eligibility?
To learn more about the Santander Edge Credit Card, its interest rates, and to apply now, click the button below to see your result.