BBVA Después Gold Card

The BBVA Después Gold Card has a yearly issue and maintenance fee of €80 for the account holder and €50 for other authorized users.

A fee will be charged for cash withdrawals on credit at ATMs in the following cases:

• ATMs of the BBVA GROUP in Spain: 4% (minimum of €4).
  
• ATMs of banks other than the BBVA Group in Spain: for cash withdrawals in euros on credit by card at ATMs belonging to banks that are not part of the BBVA Group in Spain, BBVA will charge the same amount as the fee it is charged by the bank that owns the ATM. This amount will be provided by the bank that owns the ATM before the cash withdrawal. Likewise, BBVA will charge the fee for cash withdrawals on credit stipulated for BBVA Group ATMs in Spain. This fee is in addition to the fee charged by BBVA. 
  
• ATMs located outside Spain: 5% (minimum €3).

A fee will be charged for cash withdrawals on debit at ATMs in the following cases:

• ATMs of the BBVA GROUP in Spain: 0%.
  
• ATMs of banks other than the BBVA Group in Spain: when withdrawing cash in euros on debit by card at an ATM belonging to a bank other than the BBVA Group in Spain, BBVA will charge the same amount as the fee that the bank which owns the ATM charges BBVA. This amount will be provided by the bank that owns the ATM before the cash withdrawal.
  
• ATMs located outside Spain: 4.5% (minimum €3).

With the personalized paymentrevolving, 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, a deferral fee is also included.

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.

Personalized payment example revolving with interest:

• Interest rate: 18% annually.
• Credit limit: €2,000. 
• Yearly credit card issue and maintenance fee: €80. 

You take out the Después Gold Card with a limit of €2,000. That same day, for example, May 1, 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 installment will be for €109.59, which includes only interest and the annual credit card issuance and maintenance fee, which is €80.
• The following 11 installments will be for €198.59 each.
• The total amount payable will be €2,294.07 and the APR will be 28.35% (19.56% NDER).

Personalized payment example revolving with fee:

• Deferral fee: 2.9%, 3.6% 4.3% or 5% of the amount financed, depending on the period chosen (3, 4, 5 or 6 months). 
• Credit limit: €2,000. 
• Yearly credit card issue and maintenance fee: €80.

Below are some examples of personalized revolving payment methods with a fee from 3 to 6 months, as they represent the maximum and minimum APRs, respectively. The NIR is 0% in every case

You take out the Después Gold Card with a limit of €2,000.  That same day, for example, May 1, 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 installment will be for €513.33 and includes part of the principal, the deferral management fee, which is 5% of the amount financed, and the annual credit card issuance and maintenance fee, which is €80.
• The next 5 installments will be for €333.33 each. 
• The total amount payable will be €2,180 and the APR will be 37.51%

If you choose to defer it over 3 months, this is what you will have to pay: 

• The first installment will be for €804.67 and includes part of the principal, the deferral management fee, which is 2.9% of the amount financed, and the annual credit card issuance and maintenance fee, which is €80.
• The next 2 installments will be for €666.67 each. 
• The total amount payable will be €2,138 and the APR will be 52.17%

This system specifically applies to each individual settlement for which it has been 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.

The settlement period starts on the first business day and ends on the last business day of the month. On the last day (30th or 31st), a bill is issued for the total of all the purchases you made with your credit card during this period.

The bill is charged to the account on the 5th of the following month.

Deferred payments are settled on the last business day of the month. This day (30th or 31st), the bill corresponding to the settlement is issued, and then charged to the account The settlement period starts on the first business day and ends on the last business day of the month.  on the 5th day of the following month.

If that happens, you'll be able to use up to 20% more. A 3% fee is applied to the extra amount you use, with a minimum of €6 and a maximum of €12.

Every month you will receive a statement detailing all the payments and cash withdrawals on credit you made with the card.

Yes, you can request additional cards for other users. These cards will be associated to the same account and will share your same credit limit.

A fee of 3% will be charged on the amount resulting from the equivalent value in euros of all transactions made outside the eurozone based on the exchange rate obtained by the Payment Systems on the date on which they carry out the corresponding settlement.

By law, we have to provide you with a standard document with the pre-contractual information on payment services to help you better understand its main features and so you can compare with other cards and make an informed decision.

Open document.

See the European regulation, PSD2, on electronic payment services here. 

See document