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      BBVA Después Card

      BBVA Después Card

      The credit card that helps you to control your outgoings.

      • Flexible with your payments.
      • With theft insurance.
      • And more than 6,000 BBVA ATMs.
      Apply

      Pay for your card expenses however you like

      • With the BBVA Después 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 21st of the same month or the 5th of the following month.
        • Deferred revolving payment: pay a fixed amount or a percentage of the bill on the 21st of each month, both with interest. You can also do so on the 5th of the following month, although you will have to pay interest on the amount until the payment date.

      Defer any purchase instantly

      • The personalized revolving payment lets you defer your monthly card payment or any purchase 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.

      With your expenses under control

      • With the BBVA Después Card you can perform transactions:
         
        • On credit or withdrawing cash on debit

        It adapts to what you need at all times: withdraw cash from ATMs, both from your checking account and on credit, and also make purchases in physical shops or online.

        • With your own limits

        You can cap both the amount of money that will be available each day from ATMs and the amount of credit you can use on your card, prior bank authorization. 

         

      With the advantages of being with BBVA

      • With the BBVA Después Card you also have 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.

      Sign up for the BBVA Después Card

      Apply

      Add the card to your smartphone from the BBVA app and pay directly with your phone.

      Would you like more information?

      Annual credit card issue and maintenance fee of €43 for the card holder and of €35 for all other beneficiary cards. This fee can be waived if you meet these requirements.

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

      • ATMs of the BBVA group in Spain: 4% (€4 minimum)
      • ATMs of banks other than the BBVA Group in Spain: for cash withdrawals in euros on credit made 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 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. 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 of 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 on debit in euros 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 of 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.

      Example of personalized revolving payment with interest:

      • Interest rate: 18% annually.
      • Credit limit: €1,500. 
      • Annual credit card issuance and maintenance fee: €43. See if your account contract allows you to waive this fee.

      You take out the Después Card with a limit of €1,500. 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 €65.19, which includes only interest and the annual credit card issuance and maintenance fee, which is €43.
      • The next 11 installments will be for €148.94 each.
      • The total amount payable will be €1,703.53 and the APR will be 25.75% (19.56% NDER).
      • If you do not have to pay the annual credit card issuance and maintenance fee, the total amount will be €1,660.53 and the APR will be 19.52%.

      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). 
      • Interest rate: 0% yearly.
      • Credit limit €1,500. 
      • Yearly credit card issue and maintenance fee: €43. See if your account contract allows you to waive this fee.

      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 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: 

      • The first installment will be for €368 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 €43.
      • The next 5 installments will be for €250 each. 
      • The total amount payable will be €1,618 and the APR will be 31.96%.
      • If you do not have to pay the annual credit card issuance and maintenance fee, the total amount will be €1,575 and the APR will be 19.07%.

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

      • The first installment will be for €586.50 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 €43.
      • The next 2 installments will be for €500 each. 
      • The total amount payable will be €1,586.50 and the APR will be 41.99%
      • If you do not have to pay the annual credit card issuance and maintenance fee, the total amount will be €1,543.50 and the APR will be 19.23%. 
      This system specifically applies to each individual settlement for which it has been requested.

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

      • Interest rate: 17.52%.
      • Credit limit: €1,500. 
      • Yearly credit card issue and maintenance fee starting the second year: €43. See if your account contract allows you to waive this fee.

      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

      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 €2,096.88 and the APR will be 18.99% (18.99% 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. 

      In the case of the Después Card, keep in mind that the €43 issuance and maintenance fee (which the bank charges annually) and the minimum monthly repayment percentage (3%) mean that the 48 monthly payments will be different, even if you select a payment of €37.87.

      So if you take out the card and that same day, for example, May 1, 2020, you make a purchase for your full credit limit and decide to pay the bill on the 5th of that month, this is what you would have to pay:

      • 48 monthly payments of different amounts (including principal and interest). 
      • The total amount payable will be €2,191.33 and the APR will be 25.78% (18.99% NDER).

      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.

      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 settlement period starts on the 20th of the month and ends on the 20th of the following month. 

      On the 20th of each month, a bill is issued for the total of all the purchases you made with your credit card during this period. If the 20th is not a business day, it will be issued on the preceding business day. 

      You can choose the bill charge date: the 21st of the settlement month or the 5th of the following month, and you can change it at any time. Although if you opted for deferred payments, you will have to pay interest from the settlement date until the payment date.

      If you change the debit date before the 20th of the month, it will take effect in that month's settlement. If you change it between day 20 and 30 of the month, the change will take effect in the settlement for 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 on the 5th 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.

      On the 20th of each month we will send you a detailed list of all payments and cash withdrawals you have made with your card.

      You can request additional cards for other holders. They will be associated to the same account and will share your credit limit.

      A fee of 3% on the equivalent amount in euros for all transactions outside the eurozone, based on the exchange rate obtained by the Payment Systems on the date when the corresponding settlement occurs.

      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

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      Be a BBVA customer.

      • We have a network of 6,000 ATMs in Spain that are always available for you.
      • We're leaders in digital innovation and we're working to make your life a little bit easier.
      • Our approach is based on transparency, clarity and responsibility.

      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.
      More information

      Your bank on your smartphone with the BBVA app

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