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).

What is the settlement period and when is the monthly bill 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 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: The 5th of the following month.

How will I know how much I have spent?

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

Can I request more associated cards?

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.

What is the fee for using the card outside the eurozone?

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.

Pre-contractual information document for payment services

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 .

Consult here the European PSD2 regulation on security for card payments.

Después Oro credit card BBVA

Q: Does it have an issue and maintenance fee?

The Después Gold credit card has a yearly issue and maintenance fee of €80 for the account holder and for any other beneficiary cards. You will not pay this fee if you finance a transaction over €50 or pay a monthly bill with the deferred payment method (Revolving), using this credit card and at least once a year.

A credit card that offers a limit of up to €30,000

More than 4,500 BBVA ATMs at your disposal.
Accident insurance up to €760,000.
Travel Assistance Insurance.

Apply for card

Turn your card into a travel card

Activate the Travel Pack on your card and save fees for purchases and cash withdrawals outside Spain. You have 3 plans to choose from. Enable it from the app.

Pay for your card expenses however you like

With the Después Gold 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.

Full payment: pay your monthly credit card bill on the 5th of the following month.

Deferred revolving payment: pay a fixed amount of the bill on the 5th of the following month, with interest.

Instantly split your purchase payments

Personalized payment lets you defer your monthly card payment or any purchase of at least €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 BBVA Después Gold credit card allows you to pay using Pago Móvil BBVA, Google Pay, Samsung Pay and Apple Pay.

With the advantages of being with BBVA

With the BBVA Después Gold credit card you also have other benefits:

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

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

With ATM robbery insurance.

If you are 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.

Apply for the BBVA Después Gold credit card

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Would you like more information?

The Después Gold credit card has a yearly issue and maintenance fee of €80 for the account holder and for any other beneficiary cards.

You will not pay this fee if you finance a transaction over €50 or pay a monthly bill with the deferred payment method (Revolving), using this credit card and at least once a year.

What is the interest on a deferred purchase or bill (personalized payment)?

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: 21.60% annually.

Credit limit: €3,000.

You take out the Después Gold credit card with a limit of €3,000. That same day, for example, April 14, 2024, 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 €31.96 and it only includes interest.

The following 11 installments will be for €303.06 each.

The total amount payable will be €3,365.61 and the APR will be 23.87%

Example of personalized payment with fee:

Deferral fee: 3.5%, 4.3%, 5.2% or 6% of the amount financed, depending on the period chosen (3, 4, 5 or 6 months).

Credit limit: €3,000.

Below are some examples of customised payment methods with a fee over 3 to 6 months. The NIR is 0% in all cases.

You take out the Después Gold card with a limit of €3,000. That same day, for example, April 14, 2024, 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 €180, which includes part of the principal and the deferral fee, which is 6% of the amount financed.

The next 6 installments will be of €500 each, including only the principal.

The total amount payable will be €3,180 and the APR will be 20.09%.

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

The first payment will be for €156, which only includes the deferral fee, which is 5.2% of the amount financed.

The following 5 installments will be for €600 each and include only principal.

The total amount payable will be €3,156 and the APR will be 19.75%.

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

The first payment will be for €129, which only includes the deferral fee, which is 4.3% of the amount financed.

The following 4 installments will be for €750 each and include only principal.

The total amount payable will be €3,129 and the APR will be 18.84%.

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

The first payment will be for €105, which only includes the deferral fee, which is 3.5% of the amount financed.

The following 3 installments will be for €1,000 each and include only principal.

The total amount payable will be €3,105 and the APR will be 18.25%.

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.

What interest do deferred revolving payments have?

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

Interest rate: 19.80% annual.

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. Therefore, we recommend choosing an installment that allows you to repay the credit drawn down within a reasonable period of time.

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.

Example of deferred revolving payment 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 interest rate of 19.80% NIR, and you choose to make a fixed monthly payment of €45.49, you would have to pay:

48 monthly payments of €45.49.

The total amount payable will be €2,183.52 and the APR will be 22.02%.

IMPORTANT: With the settlement system of the BBVA Después Gold credit card, it isn't always possible to repay the credit in 48 equal monthly installments because the minimum amount payable is 3% of the balance drawn. This means that every month, you will pay the higher of the following amounts:

The selected fee, made up of principal, interest and fees.

Or 3% of the credit drawn before settlement, plus the interest and fees for the period.

If you get this card and on the same day, for example, April 14, 2024, you make a purchase for €1,500 and choose to make payments of €37 on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 19.80%, would be €2,072.24. The APR will be 21.53%.

This card cannot be issued with a credit limit of €1,500.

BBVA Online Banking

Can you imagine having everything you need from your bank on your cellphone? With the BBVA app you have that.

Find out about all of BBVA's procedures and tools that are available on your cell phone to make your day-to-day life easier.

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Your bank on your smartphone with the BBVA app

Después Oro credit card