Renfe Dorada Card

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.

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 25.57% (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 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 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 41.99%

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

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).

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