BBVA Después Gold Card

With the Después Gold Card, you can buy whatever you need and get flexible payment terms. Select the payment method you want and change it at any time.

• Full payment: pay your monthly credit card bill on the 5th of the following month.
• Deferred paymentrevolving: pay a fixed amount or a percentage of the bill on the 5th of the following month, both with interest. 

The BBVA Después Gold Card also offers other benefits:

• Get notifications on your phone and turn your cards off and on whenever you want. 

Whenever you pay or withdraw cash at an ATM, we will send you a notification via the BBVA app so you can review your daily spending and make sure that only you are using the card.

If you ever need to, you will be able to temporarily deactivate your card, or cancel it completely, by simply going into the BBVA app or at BBVA.es.

• ATM theft insurance

If you're robbed at an ATM, the insurance will cover up to €600 per event, up to a maximum of €1,200 per card per year.

See details of the insurance

• And with BBVA Mobile Pay, Google Pay, Samsung Pay, and Apple Pay 

You will be able to use your phone to pay in shops that accept contactless technology, in online stores and in apps, comfortably, securely and without having to enter your card details.

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 3-to-6-month revolving payment methods with a fee. 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 52.16%

If you choose to defer it over 4 months, this is what you will have to pay: 

• The first installment will be for €652 and includes part of the principal, the deferral management fee, which is 3.6% of the amount financed, and the annual credit card issuance and maintenance fee, which is €80.
• The next 3 installments will be for €500 each. 
• The total amount payable will be €2,152 and the APR will be 45.04%

If you choose to defer it over 5 months, this is what you will have to pay: 

• The first installment will be for €566 and includes part of the principal, the deferral management fee, which is 4.3% of the amount financed, and the annual credit card issuance and maintenance fee, which is €80.
• The next 4 installments will be for €400 each. 
• The total amount payable will be €2,166 and the APR will be 40.60%

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.

With deferred payment revolving, you can pay a fixed amount each month or a percentage of your card bill. This payment method charges interest.

• Interest rate: 17.52% annually.
• Credit limit: €2,000. 
• Yearly credit card issue and maintenance fee: €80. 

The monthly payment settlement date is the last business day of each month. On the 5th of the following month, you will pay a fixed monthly amount that includes principal, interest and fees. 

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 amount and the payment method chosen (https://clientebancario.bde.es/pcb/es/menu-horizontal/podemosayudarte/simuladores/calculo_cuota_tarjeta_revolving.html).

Remember that you can change the payment method for your card whenever you want.

Deferred payment example revolving with fixed payment

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: 

• 48 monthly payments of €43.69. 
• The total amount payable will be €2,416.98 and the APR will be 29.98% (18.84% NDER).

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. 

IMPORTANT:  With the Despues Gold Card, the credit cannot be repaid in 48 equal monthly installments because:

• The minimum amount to be repaid is 3% of the balance drawn. This means that if the amount chosen is lower than this percentage, each month you will pay the amount that results from applying that percentage. 
• The credit card issuance and maintenance fee, which is €80, is charged annually, so the payment will always be higher on the month when this fee is charged.

Therefore, if you get this card and on the same day, for example, May 1, 2020, you make a purchase for 1,500 euros and choose to make payments on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 17.52% (18.84% NDER), would be €2,335.94. The APR will be 31.59%.

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

The NDER is the narrowly defined effective rate and is equivalent to the APR without including fees and expenses.