The card has no printed numbers. That way, your details are always safe because only you can see them in the BBVA app.
By avoiding contact, it's a safe way to use your credit card. You just have to add it to BBVA Mobile Pay, Apple Pay, Google Pay or Samsung Pay.
With the Aqua Credit Card, you can buy whatever you need and get flexible payment terms. Select the payment method you want and change it at any time.
The revolving personalized payment lets you defer the payment on any purchase or bill from €50. You can choose from 3 to 6 months (no fee) or from 7 to 36 months (with interest). Calculate your payment in the app or at bbva.es.
The physical card is made with recycled PVC. If you don't usually carry a wallet with you, you can request just the digital version and pay using your phone. Or use both, whichever you need.
The first year, the Aqua Credit Card has no issue and maintenance fee. After that, the annual fee will be €43 for the account holder and €35 for any associated cards.
In any case, you can save this fee depending on the type of account associated with the card and the number of products you have with BBVA. More information.
With the personalized revolving 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:
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.
Ejemplo de pago personalizado revolving con intereses:
You take out the Aqua Credit Card with a limit of €1,500. Ese mismo día, por ejemplo el 1 de mayo de 2020, haces una compra con el mismo importe y eliges fraccionar en 12 meses. This is what you would have to pay:
Example of personalized revolving payment with fee:
Below are some examples of personalized 3-to-6-month revolving payment methods with a fee. The NIR is 0% in all cases.
You take out the Aqua Credit Card with a limit of €1,500. That same day, for example, May 1, 2020, you make a purchase for the same amount and choose to defer it over 6 months. This is what you would have to pay:
Si eliges fraccionar en 5 meses, esto es lo que tendrás que pagar:
If you choose to defer it over 4 months, this is what you will have to pay:
If you choose to defer it over 3 months, this is what you will have to pay:
This system specifically applies to each individual settlement for which it has been requested.
With the deferred payment revolving, puedes pagar cada mes una cuota fija del gasto de tu tarjeta. This payment method charges interest.
The monthly payment settlement date is the 20th of each month, but if you have chosen to pay the bill on the 5th and you opted for the deferred payment, you will have to pay interest from the settlement date until the payment date.
The minimum monthly amount is €12, and you can choose any higher amount.
The payment chosen is used to pay the interest and agreed expenses first, and then to repay the loan or the balance you draw down. Because of this, selecting lower payments could lead to a smaller proportion of the principal being repaid every month.
Once you take out the card, you can use both the BBVA app and bbva.es to calculate the repayment period based on your chosen payment method, as well as the total interest payable, if any.
You can also use the Bank of Spain's revolving card simulator to calculate the approximate total card payment or the final payment date, based on the expense and the payment method chosen.
Remember that you can change the payment method for your card whenever you want.
Deferred payment example revolving with fixed payment
This example complies with the information requirements of Order EHA/1718/2010, which governs and controls the advertising of banking services and products, the conditions of which may not correspond to those of the contract.
If you make a purchase for €1,500 with an NIR of 17.52% and you choose to make a fixed monthly payment of €43.69, you would have to pay:
The calculation of the APR and the total amount payable takes into account the €43 card issuance and maintenance fee, which is charged annually.
IMPORTANT: Con el sistema de liquidación de la Tarjeta Aqua Crédito, no siempre es posible la amortización del crédito en 48 cuotas mensuales constantes, porque el importe mínimo a amortizar es del 3% del saldo dispuesto. Esto quiere decir que cada mes, pagaras la mayor de las siguientes cantidades:
Si contratas esta tarjeta y el mismo día, por ejemplo el 1 de mayo de 2020, haces una compra por 1,500 euros y decides pagar una cuota de 37.87 euros el día 5 del mes, el importe total a pagar en 48 meses aplicando un TIN del 17.52% sería de 2,191.33 euros. The APR will be 25.78%.
En el cálculo de la TAE y en el importe total a pagar se ha tenido en cuenta la comisión de emisión y mantenimiento de la tarjeta de 43€ que se cobra anualmente el mes que se emite la tarjeta. Esta comisión forma parte del saldo financiado.
Remember that if you decide to pay the bill on the 5th of the month, you will have to pay interest from the settlement date until the payment date.
