Santander LikeU is a Santander Mexico credit card focused on everyday spending and cashback rewards.
It is marketed as a card with no annual fee, with costs disclosed through CAT and interest-rate terms.
The product is positioned for people who want simple benefits without a premium-fee structure.
Key benefits and cashback program
LikeU promotes cashback as its main value, tied to specific merchant categories and rules.
You can receive up to 6% cashback on purchases in participating categories such as supermarkets, restaurants, pharmacies, and telecommunications.
Cashback is not a generic “points bank,” since it is deposited into a Santander account under program requirements.
You should treat cashback as conditional, because enrollment and eligible-merchant coding both matter.
Cashback basics and eligible spending
Santander explains that you must enroll, meet requirements, and then your cashback is calculated based on eligible purchases.
The bank also says the monthly cashback deposit goes to a Santander account and you are notified of the amount received.
Santander notes that online purchases can qualify only when they are direct with participating merchants, and not via “intermediary platforms.”
Digital and security features
Santander’s materials emphasize a “no numbers printed” style card, aimed at reducing exposure of card details in physical use.
For online shopping, LikeU is described as using a dynamic CVV that changes periodically to support safer e-commerce.
The Visa brochure also describes added protections like purchase protection and extended warranty, subject to terms and possible changes.
Costs, interest rates, and fees
On Santander’s LikeU page, the disclosed CAT Promedio is 90.6% (sin IVA) for comparison purposes.
On that same disclosure, the Tasa de Interés is 66.35% (sin IVA), shown as a weighted annual rate by balance.
Other commissions to watch
Santander advertises $0.00 annual fee on the LikeU product page.
However, the Visa brochure discloses a monthly administration fee if you do not reach at least $200 MXN in monthly purchases.
The brochure also lists additional fees such as cash-advance charges, collections-related penalties, and card replacement fees.
Eligibility and documents
Santander lists a target applicant age range of 20 to 69 years for LikeU.
Santander also lists a minimum monthly income of $7,500 MXN in its LikeU materials.
Approval still depends on Santander’s credit evaluation, even if you meet the basic published requirements.
You should prepare documents in advance so the application does not stall during verification.
Who can apply
Santander’s cashback page states the age range and income requirement for contracting the product if you are not already a client.
The same page indicates some existing Santander customers may see a pre-approved LikeU offer inside the app.
The Visa brochure frames requirements as applicable across Mexico and describes the product as issued in Mexican pesos.
Documents you may need
Santander’s published checklist includes an official ID such as an INE or a passport, plus income and address verification documents.
The Visa brochure adds detail that proof of address should generally be recent and that income proof should not exceed the stated age limits in the document.
For foreign applicants, Santander’s checklist references a valid passport and a copy of the FM2 document in its requirements section.
How to apply step by step
If you are already a Santander customer, the fastest path may be accepting a pre-approved offer in the Santander app.
If you are not a customer, Santander provides an online application flow and also supports contracting through branches, depending on the modality.
Before you start, confirm you can provide ID, income proof, and proof of address if needed, because these are commonly requested.
After approval, you will manage the card through Santander’s channels and should activate and set controls right away.
Apply via the Santander app if you see a pre-approved offer
Santander’s cashback page says existing customers may find a pre-approved LikeU offer by opening the app and selecting “Mis Ofertas.”
The page describes a simple flow of entering the app, choosing “Mis Ofertas,” accepting the offer, and completing the process.
If you do not see an offer, you can still apply through Santander’s available channels, but approval timing can vary.
Apply online using Santander’s application form
Santander provides a LikeU application page that lists requirements and the disclosed CAT and interest-rate terms alongside the start of the form.
That page also summarizes key selling points like “up to 6% cashback” in eligible categories and security features like dynamic CVV.
During the application, expect to enter personal information and potentially provide copies of supporting documents for validation.
What happens after approval
The Visa brochure instructs cardholders to activate the card via the Santander app or by calling SuperLínea.
It also states you should notify Santander promptly in case of theft or loss, either by phone or at a branch.
Because cashback requires enrollment and is paid into a Santander account, you should confirm your account setup so you do not miss deposits.
Customer support, phone numbers, and address
SuperLínea Santander (Mexico) is listed as 55 5169 4300, and the brochure also lists service “from abroad” as 1 844 705 80 77.
UNE Santander (Unidad Especializada de Atención a Clientes) is listed as 55 5169 4328 and 800 503 2855, with email [email protected].
CONDUSEF contact numbers are also listed as 55 5340 0999 and 800 999 8080 for consumer assistance.
Its address is Avenida Prolongación Paseo de la Reforma 500, Colonia Lomas de Santa Fe, Alcaldía Álvaro Obregón, C.P. 01219, Ciudad de México, México.
Pros, cons, and who it fits
A core advantage is that Santander discloses a $0 annual fee, which can work well for long-term holding when you use the card responsibly.
A second advantage is cashback positioning for daily categories, but it is conditional on enrollment rules and eligible merchant coding.
A key drawback is that the disclosed interest rates and CAT figures are high, making carrying a balance expensive quickly.
Another drawback is that the brochure discloses a monthly administration fee if you do not meet the minimum monthly spend requirement.
Final thoughts
Santander LikeU can make sense if you want cashback in everyday categories and you plan to pay your statement on time.
It becomes less attractive if you expect to revolve balances, because the disclosed cost metrics signal expensive financing.
Before applying, double-check the current CAT, interest rate, and fee conditions on Santander’s official pages and brochure.
Disclaimer: This article is for informational purposes only and does not constitute financial advice or approval. Rates, CAT, fees, cashback rules, and eligibility requirements can change, so always verify details directly with Santander before applying. If you have questions about your specific case, contact Santander through SuperLínea or visit a branch for official guidance. Borrow only what you can repay and prioritize paying the full balance to avoid interest charges.
