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.
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.
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.
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.
Add the card to your smartphone from the BBVA app and pay directly with your phone.
Annual credit card issue and maintenance fee of €43 for the cardholder and €35 for all other beneficiary cards*.
If you want, you can save on this fee depending on the type of account associated with the card and the products you have with BBVA. Check to see if this card has an issue and maintenance fee using this calculator
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.
Example of personalized payment with interest:
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:
Example of personalized payment 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 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:
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.
With the personalized revolving payment, you can pay a fixed amount of your card bill each month. This payment method charges interest.
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:
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:
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.
