Santander 123 Cashback Credit Card (3% at petrol stations, 1% at supermarkets, 2% at department stores) - £24 annual fee (plus £20 Quidco)
-199°Expired

Santander 123 Cashback Credit Card (3% at petrol stations, 1% at supermarkets, 2% at department stores) - £24 annual fee (plus £20 Quidco)

24
Found 6th Feb 2012
1% cashback on your supermarket shopping
Including Tesco, Asda, Sainsbury's, Morrisons, The Co-operative, Waitrose, Marks & Spencer or Budgens and including online shopping with these retailers, too.

2% cashback at your favourite department stores
Including BHS, Debenhams, House of Fraser, John Lewis, Fenwick, Harrods, Harvey Nichols, Selfridges plus many others and including online shopping with these retailers, too.

3% cashback when you fill up at major petrol stations
Including BP, Shell, Esso, Texaco, Asda, Morrisons, Sainsbury's and many others (on spend up to £300 per month between your statement dates).

£24 annual fee minus £20 possible quidco making it only £4 for the year.

moneysavingexpert.com/car…rds

I spend at least £200 on fuel a month and £200 on groceries so thats a yearly cash back of around £100.

Plus you can have up to 3 additional card holders.

24 Comments

good deal but I believe capitol one is still better imo
might not have so much cashback (0,5%) on spending but no annual fee...
Edited by: "kkwiatkowski" 6th Feb 2012

Be careful with this ie make sure u read cashback rules fully...i missed out

Sweet, signing up now

Original Poster

sunnyhot

Be careful with this ie make sure u read cashback rules fully...i missed … Be careful with this ie make sure u read cashback rules fully...i missed out



how did you miss out?

i've read the rules and there's nothing untoward...what did you see that you didn't like?

Annual fee makes this a no no for me.

Looks great, a quick calculation suggests I would receive about £150 in cash back.
Good find, although would like a better look at the T & C's before committing.

why are people voting cold? Yes there is a fee, but even just on petrol alone you will make that back in a couple of months. There is a max of £300 a month on petrol. I just got mine and ill be in profit within 8 weeks just from petrol and buying food.

Edited by: "markymark34" 6th Feb 2012

Seems a good deal, i prob spend 150 on diesel and 400 on groceries per month so would have £78 cashback after the fee is taken off.

Not much good if you shop at ALDI!

Maybe a good deal from the credit card side of Santander but as a bank their truly shocking, even with their incentives I wouldn't go back to using them.

Original Poster

Can people please state why they are voting cold? And name better cards?

To me, paying a small annual fee and receiving cash back in the £100's seems like a good deal...?

bank with abbey and they have been ok with me. I guess all banks have their probelms.

Signed up for a card last month and got 15bucks in my first month - I am happy with that.

Only thing is remembering to use the cards for all shopping and petrol - even the couple of pound shops.

24 charge is no good if you shop and dont use a card and like paying cash (I did until this card offer).

nick_p

Can people please state why they are voting cold? And name better … Can people please state why they are voting cold? And name better cards?To me, paying a small annual fee and receiving cash back in the £100's seems like a good deal...?



agree. Even with my small spend Ill make enough in a year to fill up my car for free. Surely thats more than worth the hassle?!

Santander as a bank are good, i've had two problems with my account and they've sorted them straight away, yes it was a pain same as over banks but got £80 for the hassle so i was quids in.

Not sure about the Credit Card not gone for the offer yet but may do at some point.
At the min i'm looking for a good 0% for purchase

nick_p

Can people please state why they are voting cold? And name better … Can people please state why they are voting cold? And name better cards?To me, paying a small annual fee and receiving cash back in the £100's seems like a good deal...?


Plenty of alternative cashback cards out there offering as much or more for most people, but without the annual fee.

Add to that the fact that Santander are way, way below any other bank for customer service, and an absolute nightmare to deal with.

Cold for me, I'm afraid.

Depending on your spend you may find the MBNA 1.5% at both supermarkets and petrol stations a better deal as there is no annual fee. More places take visa than mastercard so the MBNA version will earn cashback in more places too.

HTH

croftshotspots

Santander as a bank are good, i've had two problems with my account and … Santander as a bank are good, i've had two problems with my account and they've sorted them straight away, yes it was a pain same as over banks but got £80 for the hassle so i was quids in.Not sure about the Credit Card not gone for the offer yet but may do at some point.At the min i'm looking for a good 0% for purchase



I think tesco is offering 0% on purchases for 15 months


i think tesco credit card is offering 15 months 0% on purchases

Very poor company to deal with and living in the 80s. Internet payments are a none goer and they won't accept telephone payments from other banks(even the ones they own like cahoot) unless it is from the collections team. If your direct debit ever fails for a reason expect a whole heap of trouble and a pain in the butt trip to a santander branch to make an over the counter payment.
Edited by: "newbie1001" 6th Feb 2012

Have been with santander since they took over Alliance & Leicester, though I read some horror stories about problems people were having while they transferred accounts over to their systems, I'm very pleased to say I have had a trouble free time...

I just got this card as I had a "Guaranteed acceptance" offer through the post... Will more than make the fee back with the cashback earnings....

Virgin are doing a 0% balance transfer for 20 months -(2.99% fee so not really 0%) but looks like one of the best around at the moment

croftshotspots

Santander as a bank are good, i've had two problems with my account and … Santander as a bank are good, i've had two problems with my account and they've sorted them straight away, yes it was a pain same as over banks but got £80 for the hassle so i was quids in.Not sure about the Credit Card not gone for the offer yet but may do at some point.At the min i'm looking for a good 0% for purchase


atc28uk

Have been with santander since they took over Alliance & Leicester, … Have been with santander since they took over Alliance & Leicester, though I read some horror stories about problems people were having while they transferred accounts over to their systems, I'm very pleased to say I have had a trouble free time...I just got this card as I had a "Guaranteed acceptance" offer through the post... Will more than make the fee back with the cashback earnings....



I was with Alliance & Leicester too but Santander have ballsed up more than once since they took over, very difficult to deal with so i reported them to the Ombudsman like lots of others have

Never going back to Santander. If you go with them, check the small print as there will probably be a charge in there somewhere. When I switched bank accounts to them, they quibbled over the cashback. I am not touching this bank or its financial products with a very long bargepole.

seriously guys, do not touch santander with a barge pole. they locked me out of my e-saver last week without telling me because I withdrew £3,000 and this is only a small amount in my account compared to the balance. They said £3,000 withdrawal was suspucious. From a savings account?

when I called their fraud department, I spoke to the rudest people I have ever come across in the finance industry and that is saying a lot as i work in the finance industry myself. they were so lippy and contradicted one another and then threatened to lock my account again because they did not like my tone of voice.

even if they give you £1,000,000 cash back for using a £1, don't do it as they are the bottom of the kegs and should be reported to the FSA.

AVOID AVOID AVOID AVOID AVOID

Really bad customer service!!! Wouldn't touch them with a barge-pole.
Post a comment
Avatar
@
    Text