BBVA Después Card

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 of the bill on the 21st of each month, 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.

• 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. 

• 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 revolving 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, 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.
• Yearly credit card issue and maintenance fee starting the second year: €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, 2020,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%.
• 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%.

Example of personalized revolving payment 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 starting the second year: €43. See if your account contract allows you to waive this fee.

Below are some examples of personalized 3-to-6-month revolving payment methods with a fee. The NIR is 0% in all cases.

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 spread the payment over 5 months, this is what you will have to pay:

• The first installment will be for €407.50 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 €43.
• The next 4 installments will be for €300 each.
• The total amount payable will be €1,607.50 and the APR will be 34.08%.
• If you do not have to pay the annual credit card issuance and maintenance fee, the total amount will be €1,564.50 and the APR will be 19.07%.

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

• The first installment will be for €472 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 €43.
• The next 3 installments will be for €375 each.
• The total amount payable will be €1,597 and the APR will be 37.12%
• If you do not have to pay the annual credit card issuance and maintenance fee, the total amount will be €1,554 and the APR will be 19.09%.

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 41.98%.
• 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 19.22%.

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

With the personalized revolving payment, you can pay a fixed amount of your card bill each month. 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 amount 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 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 €2,268.98 and the APR will be 24.72%

The calculation of the APR and the total amount payable takes into account the €43 card issuance and maintenance fee, which is charged annually.

IMPORTANT: With the settlement system of the BBVA Después 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, May 1, 2020, you make a purchase for 1,500 euros and choose to make payments of 37.87 euros on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 17.52%, would be €2,192.46. The APR will be 25.77%.

The calculation of the APR and the total amount payable takes into account the €43 card issuance and maintenance fee, which is charged annually in the month when the card is issued. This fee is part of the balance financed.

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.