Deferred payment

  • Credit card issue and maintenance fee: €90, which is paid in full in the first installment and is added to the capital balance. 

    • Interest rate: 17.52% annually.
    • Credit limit of €3,000.

    Monthly payments for a fixed amount: Each month you will pay a fixed amount that includes capital, interest and fees. The minimum monthly amount is €18, and you can choose any higher amount. 

    If you choose the fixed installment payment method, you pay the bill on the 5th of the month following the settlement date, your card's credit limit is €3,000 and you make a single purchase for this amount on the same day that you sign up for the card (e.g. May 1), based on an annual nominal interest rate of 17.52% and a monthly payment of €300 (comprising capital, interest and fees), this is what you will pay: 

    • 11 installments of €300. The first payment includes the total amount of the annual credit card issuance and maintenance fee, which is €90. This means you repay less capital of the total amount drawn down. This fee is paid on the 20th of each month. 
    • A final installment of €80.49. 
    • The total amount payable will be €3,380.49 and the resulting APR will be 25.99%.

    The monthly payment settlement date is day 20 of each month. However, if you have chosen to pay the bill on day 5, the payment will accrue interest from the settlement date until the payment date. 

    The fixed monthly amount may not be less than 3% of the drawn balance reflected in the "Credit Card Account" statement before settlement, plus the interest generated during the corresponding monthly settlement period and the relevant fees.

Personalized payment

  • This system allows you to defer the payment of a purchase made with the Card or the balance drawn down on your card after the monthly settlement date, provided the amount is equal to or greater than €50. Payments will be for a fixed amount (that includes capital and interest) and will depend on the term you choose, within a minimum of 7 and a maximum of 36 payments. Personalized payments are settled on the last business day of each month.

    Personalized payment With Interest 

    90€ annual credit card issue and maintenance fee

    • Interest rate: 18% annually 
    • Credit limit of €3,000 

    If your card has a credit limit of €3,000, you use the entire amount to make a purchase on the same day that you sign up for the card (e.g. May 1) and choose to pay it over 12 months, this is what you will pay:
    The first installment will be of €135.86, including only interest and the full amount of the annual credit card issuance and maintenance fee (which is €90).
    The next 11 installments will be of €297.88 each. 
    The total amount payable will be €3,412.54 and the resulting APR will be 26.17%.


    Personalized payment with a fee
    Annual
    €90 credit card issue and maintenance fee
    Deferral fee: 2.9%, 3.6% 4.3% or 5% on the amount deferred, depending on the period chosen (3, 4, 5 or 6 months). 
    €3,000 credit limit
    Below are some examples of personalized payment methods with a fee over 3 to 6 months, as they represent the maximum and minimum APRs, respectively. The NIR is 0% in all cases. 
    If your card has a credit limit of €3,000, you use the entire amount to make a purchase on the same day that you sign up for the card (e.g. May 1) and choose to pay it over 6 months, this is what you will pay:

    The first installment will be of €740 and includes the corresponding portion of the capital, the deferral management fee (which is 5% of the amount financed) and the total amount of the annual credit card issuance and maintenance fee (which is €90).
    The next 5 installments will be of €500 each.
    The total amount payable will be €3,240 and the resulting APR will be 32.60%.

    If your card has a credit limit of €3,000 and you use the full amount to make a purchase on the same day that you sign up for the card (e.g. May 1) and choose to pay it over 3 months, this is what you will pay: 
    The first payment will be for 1,177 euros, which includes the part associated with the principal, the deferral fee, which is 2.9% of the financed amount, and the total amount of the annual card issue and maintenance fee, which is €90. 
    The next 2 payments will be for €1,000 each. 
    The total amount payable will be €3,177 and the APR 43.15%.
    This system applies specifically to each individual settlement for which it has been requested.