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Santander World Elite Mastercard
Pay smarter by unlocking fantastic travel experiences with 0% FX fees and airport perks.
This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.
Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.
The Good
- Access to 1,400+ lounges with LoungeKey
- 0% Foreign Transaction Fees (Local Currency)
- Global Data Roaming (3GB free annually)
- 0.5% Cashback on all purchases (Monthly cap £15)
- Mastercard® Airport Security Fast Track
The Bad
- Monthly Fee £15 (£180/year)
- Guest lounge visits chargeable (£24 per person)
- Strict Eligibility (Select/Private Banking Only)
- Income/Status Requirements apply
Lounge Access
2 lounge networks included
Guest Policy
Cardholder Only (Guests £24/visit)
Purchase APR
Representative 49.8% APR (Variable)
Credit Score
Excellent (Select/Private Banking Customer)
Is the annual fee worth it for you?
Set how often you would use a lounge and what one visit is worth to you. We compare that against this card's real £180 annual fee. This counts lounge value only, not credits, points, or other perks.
Starting point is a typical day-pass or guest fee. Adjust to match the airports you use.
- Estimated lounge value
- £320/yr
- Annual fee
- £180/yr
- Net for your usage
- +£140
At £40 per visit, you cover the fee at about 5 visits per year. This card opens 339 lounges we track.
Estimate only, not financial advice. It uses values you enter and excludes statement credits, points, taxes, and guest fees. Lounge access and day-pass prices change; verify with the issuer and lounge before you rely on these numbers.
Limited Time Offer
18 Months 0% Interest on Purchases & Balance Transfers
Offer Terms & Eligibility:
No balance transfer fee. 0% for 18 months from account opening.Lounge Networks
2 IncludedAdditional Travel Perks
Lounges Santander World Elite Mastercard Opens
339 lounges tracked across 172 airports, derived from this card's network coverage.
Showing top 12 airports by lounge count. 160 more airports also have at least one lounge this card opens.
Coverage is derived from the lounge networks listed on this card and the lounges AirportLounge.com tracks. Specific lounge access can change without notice; verify on the operator's app or site before you travel.
Popular Airports With Lounges
LoungeKey and Mastercard Airport Security Fast Track lounges are available at hundreds of airports worldwide