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.
The BBVA Después Gold Card allows you to pay using Pago Móvil BBVA, Google Pay, Samsung Pay and Apple Pay.
The BBVA Después Gold Card also offers other benefits:
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.
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.
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.
The BBVA Después Gold 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.
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:
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 with interest:
You take out the Después Gold Card with a limit of €3,000. That same day, for example, November 12, 2023, you make a purchase for the same amount and choose to defer it over 12 months. This is what you would have to pay:
Personalized payment example with fee:
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, November 12, 2023, you make a purchase for the same amount and choose to defer it over 6 months. This is what you would have to pay:
If you choose to defer it over 5 months, this is what you will have to pay:
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 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.
With deferred payment revolving, you can pay a fixed amount of your card bill each month. This payment method charges interest.
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.
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 a NIR of 21.60% and you choose to make a fixed monthly payment of €43.93, you would have to pay:
IMPORTANT: With the settlement system of the BBVA Después Gold 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:
If you get this card and on the same day, for example, November 12, 2023, you make a purchase for €3,000 and choose to make payments of €75 on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 21.60%, would be €4,256.74. The APR will be 23.68%.
