Updated September 29, 2026 · SumCue Editorial Team
RinggitPlus Credit Card vs Santander UK
RinggitPlus Credit Card
Santander UK
Higher score in this comparison
RinggitPlus Credit Card vs Santander UK: the differences
| Compare | RinggitPlus Credit CardReviewVisitVisit | Santander UKReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | MYR 195 | £0 |
| APR | 15%Lower | 24.9% |
| Rewards type | Cashback | None |
| Balance transfer intro period | 6 months | 12 monthsHigher |
| Currency conversion fee | Not confirmed | 2.95% |
| Rewards rate | up to 10% | Not confirmed |
| Credit needed | Not confirmed | Good |
Same on both: Balance transfer fee (0%), Card kind (Credit).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Santander UK scores higher overall: 9.2 vs 8.8.
- Founded is lower at Santander UK: 1988 vs 2013.
- APR is lower at RinggitPlus Credit Card: 15% vs 24.9%.
- Balance transfer intro period is higher at Santander UK: 12 months vs 6 months.
- Support channels: only RinggitPlus Credit Card offers Email.
- Support channels: only Santander UK offers Phone, Help centre.
- Features: only RinggitPlus Credit Card offers Rewards.
- Features: only Santander UK offers Same day funding.
Our verdict on each
RinggitPlus Credit Card
RinggitPlus Credit Card suits shoppers who want cashback on everyday spend plus a short balance transfer window. It charges an annual fee of MYR 195 with APR of 15% and cashback of up to 10% through rewards support of rewards for regular use.
Santander UK
Santander UK suits UK households wanting everyday banking, savings and borrowing from one Financial Conduct Authority regulated bank, with an easy-access saver paying 2% variable. The charges elsewhere, 2.95% for currency conversion and 24.9% on the credit card, are where the case weakens.
Score breakdown
| Area | RinggitPlus Credit Card | Santander UK |
|---|---|---|
| Cost | 9.2HigherAnnual fee of MYR 195 with transfer fee of 0% shapes overall cost. | 8.8Monthly fee £0 and annual fee £0 are low, but 2.95% on conversion and 24.9% on the card are not. |
| Offer | 8.7Cashback of up to 10% in cashback form via rewards defines appeal. | 9.4Higher |
| Trust | 8.4Linked to Jirnexu Sdn Bhd with help via email and chat for queries. | 9.4Higher |
Where they rank in our lists
| Ranking | RinggitPlus Credit Card | Santander UK |
|---|---|---|
| Credit and debit cards | 48 of 1594 | 348 of 1594 |
| Balance transfer cards | 1 of 32 | 12 of 32 |
Moving a 3,000 balance
RinggitPlus Credit Card
0
0% of 3,000
Santander UK
0
0% of 3,000
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 29, 2026.
If neither fits
Discover has balance transfer intro period at 15 months, against 6 months for RinggitPlus Credit Card and 12 months for Santander UK.
Discover reviewEvery fact side by side
| Fact | RinggitPlus Credit Card | Santander UK |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Same day funding |
| Audience | Not confirmed | Seniors |
| Legal entity | Jirnexu Sdn Bhd | Santander UK plc |
| Headquarters | Malaysia | United Kingdom |
| Founded | 2013 | 1988Lower |
| Support channels | Email, Chat | Chat, Phone, Help centre |
Loans
| Fact | RinggitPlus Credit Card | Santander UK |
|---|---|---|
| Loan amount | Not confirmed | £1,000 to £25,000 |
| Term | Not confirmed | 12 to 60 months |
| Arrangement fee | Not confirmed | 0 GBP |
| Credit check | Not confirmed | Hard |
| Funding time | Not confirmed | Within 2 working days of releasing funds |
| Rate type | Not confirmed | Variable |
| Lender type | Not confirmed | Direct lender |
| Free early repayment | Not confirmed | Yes |
| Eligibility | Not confirmed | Aged 21 or over, live permanently in the UK, regular yearly income of GBP 10,500+ for loans up to GBP 19,999 and GBP 20,000+ for loans up to GBP 25,000, good credit record |
| Origination fee (%) | Not confirmed | 0% |
| Loan types | Not confirmed | Personal, Debt consolidation, Car |
| Use cases | Not confirmed | Home improvement |
Personal insurance
| Fact | RinggitPlus Credit Card | Santander UK |
|---|---|---|
| Premium from | Not confirmed | £6 |
| Insurance types | Not confirmed | Auto, Home, Renters, Life, Travel, Landlord, Critical illness |
| Provider type | Not confirmed | Broker |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | £100 to £500 |
| Cover limit | Not confirmed | Contents sum insured up to GBP 50,000 (Classic), unlimited (Plus) |
| Claims channels | Not confirmed | Online, Phone |
| Age range | Not confirmed | 50 and over |
Savings
| Fact | RinggitPlus Credit Card | Santander UK |
|---|---|---|
| Headline rate | Not confirmed | 2% |
| Minimum deposit | Not confirmed | £1 |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
| Access terms | Not confirmed | Instant, penalty-free access; withdrawals by website, Mobile and Online Banking, in branch or over the phone |
| Monthly fee | Not confirmed | £0 |
| Account kind | Not confirmed | Easy access |
Mortgages
| Fact | RinggitPlus Credit Card | Santander UK |
|---|---|---|
| Initial rate | Not confirmed | 4.28% |
| APRC | Not confirmed | 6.2% |
| Fixed period | Not confirmed | 2 years |
| Maximum loan to value | Not confirmed | 95% |
| Product fee | Not confirmed | £999 |
| Purpose | Not confirmed | Purchase, Remortgage, First time buyer, Buy to let |
Where each stands against the rest
| Fact | RinggitPlus Credit Card | Santander UK | Median |
|---|---|---|---|
| APR | 15%above the median | 24.9%highest quarter | 11.635% |
| Currency conversion fee | Not confirmed | 2.95%highest quarter | 1% |
| Balance transfer intro period | 6 monthslowest quarter | 12 monthsat the median | 12 months |
| Balance transfer fee | 0%lowest quarter | 0%lowest quarter | 3% |
Median across 486 listed providers.
Pros and cons
RinggitPlus Credit Card
Pros
- Cashback of up to 10% with cashback focus for everyday spend
- Balance transfer fee of 0% with cover for 6
- Support access through email and chat for written queries
Cons
- Annual fee of MYR 195 applies even when spend remains modest
- APR of 15% adds borrowing cost when balances carry over
- Support runs on email and chat only for account queries
Santander UK
Pros
- The easy-access saver pays 2% at a variable rate with instant, penalty-free access, and deposit protection is FSCS up to GBP 85,000.
- Personal loans of £1,000 to £25,000 over 12 to 60 carry an origination fee of 0 GBP, and early repayment is free.
- Regulated in the UK by the Financial Conduct Authority, with support on chat, phone and help centre.
Cons
- Currency conversion on the basic current account costs 2.95%, against 1% for a typical brand on the site.
- Credit card borrowing runs at 24.9%, well above the 15.5% typical across the site.
- Rewards on the everyday credit card are none.
Who each suits
RinggitPlus Credit Card
Who it suits
- Shoppers seeking cashback rewards for routine retail spend
- Planners seeking a short transfer window with low upfront cost
Who should look elsewhere
- Fee sensitive users who prefer eToro because annual charges differ
- Fee sensitive users who prefer Bitpanda because annual charges differ
Santander UK
Who it suits
- Households that want a current account paired with an easy-access saver.
- Borrowers consolidating debt or funding home improvement, given a good credit record and a hard credit check.
- Savers who want instant, penalty-free withdrawals by app, in branch or over the phone.
Who should look elsewhere
- Wise, for regular sending and converting abroad, where the conversion fee is 0.1%.
- bunq, whose plan is priced in euro with a monthly fee of €0, fits euro-based banking better.
- The Varo Believe Secured Credit Card, if a US dollar card with a monthly fee of $0 is the goal.
Current offers
RinggitPlus Credit Card
Current offer
Bonus
UOB Credit Cards Promotion: Apple iPad Pro M5 + RM188 TNG
Apply, approved by 18 Nov 2026, activate and spend RM200 in 60 days for UOB ONE Card
Source, checked September 29, 2026
Santander UK
Current offer
Bonus
Get 240 GBP for switching to Everyday Current Account: 240 GBP
Switch to Everyday Current Account
Source, checked September 26, 2026
Country by country
| Country | RinggitPlus Credit Card | Santander UK |
|---|---|---|
| Malaysia | Yes | No |
| United Kingdom | No | Yes |
Questions about each
RinggitPlus Credit Card
What annual fee applies to this card+
The card carries an annual fee of MYR 195 for continued membership regardless of usage level. Budget for this charge alongside interest if balances revolve. Paying in full each cycle keeps total cost focused on the annual fee rather than added interest.
How does the purchase interest rate work+
Purchases that revolve accrue interest at APR of 15% under standard terms. Clearing the balance in full each cycle avoids that interest charge. Keeping balances low helps manage total borrowing cost over time.
Santander UK
What does the everyday current account cost?+
The monthly fee is £0, and the everyday credit card carries an annual fee of £0. The charge to watch is currency conversion at 2.95% on the basic current account, and help is available on chat, phone and help centre.
Is my money protected?+
Deposits are covered by FSCS up to GBP 85,000, and the bank is authorised and regulated by the Financial Conduct Authority in the UK. Savings pay 2% at a variable rate with instant, penalty-free access.
Other options to compare
Other matchups
RinggitPlus Credit Card
Santander UK