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Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
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      Renfe Dorada Card

      The credit card with discounts at Renfe

      For people over 60.

      • Up to 40% discount on Renfe train tickets.
      • Accident insurance.
      • More than 4,500 BBVA ATMs at your disposal.

       

      Apply for card

      Pay for your card expenses however you like

      • 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.

        - Total 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.

      Defer any purchase instantly

      • Customised payment lets you defer your monthly card payment or any purchase of at least €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.
      You have access to more than 4,500 ATMs throughout Spain.

      Main advantages

      • 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.

      With the advantages of being with BBVA

      • 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

      Apply for the Renfe Gold Card

      Apply

      Travel Pack
      New Travel Pack
      Save on fees when paying and withdrawing money abroad with your card. Enable it and disable it whenever you want from the BBVA app.
      More information

      Would you like more information?

      Yes, there is a credit card issue and maintenance fee of €43, but if you have your paycheck (€800 minimum) or pension (€300 minimum) direct deposited, the fee is only €6.

      You will be charged a fee for withdrawing cash on credit using your card at ATMs in the following instances:

      • ATMs of the BBVA GROUP in Spain: 4% (minimum of €4).
      • 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 Spain: 4.5% (minimum €4).

      You will be charged for debit cash withdrawals using your card at ATMs in the following instances:

      • ATMs of the BBVA GROUP in Spain: 0%.
      • ATMs of banks other than the BBVA Group in Spain: when withdrawing cash on credit 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. BBVA will also charge you the fee displayed on BBVA Group ATMs in Spain to use your credit card to withdraw cash. This fee is in addition to the fee charged by BBVA.
      • ATMs located outside Spain: 4.5% (minimum €4).
      • ATMs outside the Eurozone : 3.00% on the equivalent amount in euros on all transactions outside the Eurozone.

      BBVA will charge you a fee of 3% on the equivalent amount in euros for all transactions outside the Eurozone, based on the exchange rate applied by the payment systems on the date when the relevant charge is settled.

      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 payment 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 an additional 20%, but keep in mind that a 3% fee will be applied to any additional amount that you use (minimum €6 and maximum €12).

       

      Between the 20th and the last day of the month, you can change both the amount you pay and how you pay.

      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. 

      What is the interest on a deferred purchase or bill (personalized payment)?

      • With the customised 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 customised payment 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%.

        Example of personalized 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: €43 (€6 if you meet the requirements). 

        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 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 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 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 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%.

        This system applies only to each specific settlement for which it is requested.

      What interest do deferred revolving payments have?

      • With the deferred payment revolving, 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. 
        • 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 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 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 Renfe Dorada 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. 

        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 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 €2,191.33. The APR will be 25.78%.

        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.

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      • BBVA Viajes+ Card

        • Lower fees on purchases and ATMs outside Spain.
        • 5% in B The Travel Brand, check with the agency.
        • Trip cancellation and lost luggage insurance.
        • Credit card, you pay the following month or in installments.
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      Discover our credit cards

      • BBVA Después Card.
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      • Repsol más Platinum Visa card.
      • Vía T Card.
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      • Go to BBVA Cards category.

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      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.
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