With the personalized payment, you can defer the payment of any purchase made with the card or the monthly amount owed, provided this amount is at least €50.
The monthly payments will be for a fixed amount (which includes principal and interest if it is a personalized payment with interest, or principal and fees if it is a personalized payment with fee) and will depend on the term you choose, from a minimum of 3 months to a maximum of 36 months. This amount will be charged to the account on the 5th of each month.
The first payment in both cases is different:
- For a personalized payment with interest, it only includes interest.
- For a personalized payment with fee, only the deferral fee is charged.
Once you take out the card, you can use both the BBVA app and bbva.es to calculate your monthly payment based on the repayment period you choose.
Example of personalized payment with interest:
Interest rate: 7% per year.
Credit limit: €1,500.
You take out the Visa Infinite Credit Card with a limit of €1,500. That same day, for example, March 10, 2026, you make a purchase for the same amount and choose to defer it over 12 months. This is what you would have to pay:
- The first payment will be for €6.04 and include only interest.
- The next 11 payments will be for €141.18 each.
- The total amount payable will be €1,559.02 and the APR will be 7.20%.
Example of personalized payment with fee:
- Deferral fee: 1.30%, 1.50%, 1.70%, or 2% of the amount financed, depending on the period chosen (3, 4, 5 or 6 months).
- Credit limit of €1,500.
Below are some examples of customised payment methods with a fee over 3 to 6 months. The NIR is 0% in every case.
You take out the Infinite Visa Card with a limit of €1,500. That same day, for example, March 10, 2026, you make a purchase for the same amount and choose to defer it over 6 months. This is what you would have to pay:
- The first payment will be for €30, which only includes the deferral fee, which is 2% of the amount financed.
- The following 6 installments will be for €250 each and include only the principal.
- The total amount payable will be €1,530 and the APR will be 5.93%.
If you choose to defer it over 5 months, this is what you will have to pay:
- The first payment will be for €25.50, which includes part of the principal and the deferral fee, which is 1.70% of the amount financed.
- The following 5 installments will be for €300 each and include only the principal.
- The total amount payable will be €1,525.50 and the APR will be 5.71%.
If you choose to defer it over 4 months, this is what you will have to pay:
- The first payment will be for €22.50, which includes part of the principal and the deferral fee, which is 1.50% of the amount financed.
- The following 4 installments will be for €375 each and include only the principal.
- The total amount payable will be €1,522.50 and the APR will be 5.83%.
If you choose to defer it over 3 months, this is what you will have to pay:
- The first payment will be for €19.50, which includes part of the principal and the deferral fee, which is 1.30% of the amount financed.
- The following 3 payments will be for €500 each and include only the principal.
- The total amount payable will be €1,519.50 and the APR will be 6%.
This system applies only to each specific settlement for which it is requested.
The APR in these representative examples was calculated based on an amount greater than €1,500, since it is not possible to get this card with a €1,500 credit limit.