Renfe Dorada Card

With the Dorada Renfe 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 payment revolving: 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.

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.

The Dorada Renfe Card lets you save on train tickets:

• Up to 40% discount on AVE and Long Distance, Avant, Conventional Medium Distance and commuter train.
• Up to 50% discount on Feve.

See the Renfe website for more information.

And, you'll feel more protected when you travel:

• Accident insurance of up to €310,000.

The Dorada Renfe Card also offers the following additional benefits:

• Set your own limits

You can set up limits for using your card to give you better control over your expenses by setting a daily ATM cash withdrawal limit or placing limits on your purchases at physical or online stores.

• Receive notifications right away

Any time you pay with your Dorada Renfe Card or withdraw money at an ATM, we'll send you a notification through the BBVA app so you can review your daily expenses and make sure it's you who is using the card.

• Activate or deactivate the Dorada Renfe Card whenever you want

If you ever need to, you will be able to temporarily block your card, or cancel it completely, by simply going into the BBVA app or at BBVA.es.

• Security at ATMs

If you're robbed at an ATM, the insurance on the Dorada Renfe Card will cover up to €600 per event, up to a maximum of €1,200 per card per year.

See conditions

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 payment revolving with interest:

• Interest rate: 18% annually.
• Credit limit: €1,500. 
• Annual credit card issuance and maintenance fee: €43 (€6 if you meet the requirements). 

You take out the Dorada Renfe 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).

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 (€6 if you meet the requirements). 

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

You take out the Dorada Renfe 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 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 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 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 choose to defer it 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%

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

With the deferred payment revolving, 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. 
• Annual credit card issuance and maintenance fee: €43 (€6 if you meet the requirements). 

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 (https://clientebancario.bde.es/pcb/es/menu-horizontal/podemosayudarte/simuladores/calculo_cuota_tarjeta_revolving.html).

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 €2,268.98 and the APR will be 24.73% (18.84% 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. 

IMPORTANT: With the Renfe Dorada Card, the credit cannot be repaid in 48 equal monthly installments because:

• The minimum amount to be repaid is 3% of the balance drawn. This means that if the amount chosen is lower than this percentage, each month you will pay the amount that results from applying that percentage. 
• The credit card issuance and maintenance fee, which is €43, is charged annually, so the payment will always be higher on the month when this fee is charged.

Therefore, 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 on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 17.52% (18.84% NDER), would be €2,191.33. The APR will be 25.78%.

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 NDER is the narrowly defined effective rate and is equivalent to the APR without including fees and expenses.