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      Iberia Classic credit card

      The credit card with discounts on flights

      Get discounts on Iberia flights, hotels and vehicle rentals

      • 10% discount on Iberia tickets.
      • Accrue €0.03/liter in your Waylet balance every time you refuel.
      • Get 4,500 Avios as a welcome gift.
      Apply for card
      Travel Pack

      Turn your card into a travel card

      Activate the Travel Pack on your card and save fees for purchases and cash withdrawals outside Spain. You have 3 plans to choose from. Enable it from the app.
      Discover it

      Pay for your card expenses however you like


      • With the Iberia Classic Credit 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 5th of the following month.
        • Deferred revolving payment: pay a fixed amount of the bill on the 5th of the following month, with interest. 

      Instantly split your purchase payments


      • 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.
      For every €5 you purchase, get 1 Avios, redeemable for discounts on flights and hotels.

      Enjoy its discounts


      • The Iberia Classic Credit Card lets you save and you can enjoy these benefits:
         
        • 10% off on Iberia tickets when you make the purchase through www.iberia.com or the Iberia app, once you log in with your Iberia Plus number.
        • The Iberia Classic Card lets you get Avios points and save on flights, hotel rooms and car rentals. See more
        • Get Visa Luxury Hotel Collection privileges.
        • You'll also get a €0.0-3/liter balance in Waylet when you fill up at Repsol, Campsa and Petronor gas stations.
        • Welcome promotion: get 4,500 Avios if you make at least €2,000 worth of purchases in stores during the first 4 months.
        • Get extra Avios when you rent vehicles from Avis and sign up for the Avis Preferred Plus program.
        • At Seleccion Iberia Cards, you can get extra Avios when you make a purchase from a selection of stores through iberiacards.es/ventajas/seleccion-iberiacards.

         

      Get access to exclusive services


      • In partnership with Mapfre, the Iberia Classic Credit Card offers:

        • Accident insurance of up to €360,600.
        • Travel insurance of up to €6,000.

        See details

      With the peace of mind you get from BBVA


      • The Iberia Classic Credit 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. In any case, the prior authorization of BBVA is required.

        • Monitor your Iberia Classic Credit Card balance and transactions

        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.

        • Turn the card on or off 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, your Iberia Classic Credit Card insurance policy will cover up to €600 per event, up to a maximum of €1,200 per card per year.

        See insurance terms and conditions

      What are the requirements?


      • To access the Iberia Classic credit card you must meet the following requirements: 

        • Having an account at BBVA.
        • The granting of the Iberia Classic Card is subject to approval by BBVA.

      Apply for an Iberia Classic Credit Card

      Apply

      Add the card to your smartphone from the BBVA app and pay directly with your phone.

      Would you like more information?

      In the first year, you will only pay 50% of the annual issuance and maintenance fee for the Iberia Classic credit card. It will be €50 in subsequent years for the first account holder and €30 for any other beneficiary cards (with the same credit limit as your card).

      You will not pay this fee if you finance a transaction over €50 or pay a monthly bill with the deferred payment method (Revolving), using this credit card and at least once a year.

      Yes, this card can be linked to an account in another bank.

      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: 2.5% (minimum €3).
      • ATMs of banks other than the BBVA Group in Spain: when withdrawing cash in euros on debit 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 €3).

      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: 

        for cash withdrawals in euros on credit by card at ATMs belonging to banks that are not part of the BBVA Group in Spain, BBVA will charge the same amount as the fee it is charged by the bank that owns the ATM. This amount will be provided by the bank that owns the ATM before the cash withdrawal. Likewise, BBVA will charge the fee for cash withdrawals on credit stipulated for BBVA Group ATMs in Spain. This fee is in addition to the fee charged by BBVA.

      • ATMs located outside of Spain: 4.5% (minimum €3)

      The settlement period starts on the first business day and ends on the last business day of the month. 

      On the last day (30th or 31st), a bill is issued for the total of all the purchases you made with your credit card during this period.

      The bill is charged to the account on the 5th of 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.

      Yes, you can request additional cards for other users. These cards will be associated to the same account and will share your same credit limit.

      Net purchases refer to the difference between total purchases and returns and refunds to the credit card account. Cash withdrawals at ATMs do not count toward the total.

      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.

      By law, we have to provide you with a standard document with basic information on the insurance policy associated with the cards issued by Iberia Cards to help you better understand their main features.

      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 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: 

        • For a personalized payment with interest, it only includes interest.
        • For a personalized payment with fee, only the deferral fee is charged.

        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:

        • Interest rate: 21.60% annually.
        • Credit limit: €1,500. 

        You sign up for the Iberia Classic Credit Card with a limit of €1,500. That same day, for example, November 12, 2023, 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 €15.98 and it only includes interest.
        • The following 11 installments will be for €151.53 each.
        • The total amount payable will be €1,682.81 and the APR will be 23.87%.

        Example of personalized payment with fee:

        • Deferral fee: 3.5%, 4.3%, 5.2% or 6% of the amount financed, depending on the period chosen (3, 4, 5 or 6 months).
        • Credit limit €1,500.

        Below are some examples of customised payment methods with a fee over 3 to 6 months. The NIR is 0% in every case

        You sign up for the Iberia Classic Credit Card with a limit of €1,500.  That same day, for example, November 12, 2023, 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 payment will be for €90, which only includes the deferral fee, which is 6% of the amount financed.
        • The following 6 installments will be for €250 each and include only principal.
        • The total amount payable will be €1,590 and the APR will be 19.80%.

        If you choose to defer it over 5 months, this is what you will have to pay: 

        • The first payment will be for €78, which only includes the deferral fee, which is 5.2% of the amount financed.
        • The following 5 installments will be for €300 each and include only principal.
        • The total amount payable will be €1,578 and the APR will be 19.41%.

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

        • The first payment will be for €64.50, which includes part of the principal and the deferral fee, which is 4.30% of the amount financed.
        • The following 4 installments will be for €375 each and include only principal.
        • The total amount payable will be €1,564.50 and the APR will be 18.43%.

        If you choose to defer it over 3 months, this is what you will have to pay: 

        • The first payment will be for €52.50, which only includes the deferral fee, which is 3.5% of the amount financed.
        • The following 5 installments will be for €500 each and include only principal. 
        • The total amount payable will be €1,552.50 and the APR will be 17.72%.

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

      What interest do deferred revolving payments have?


      • With a deferred revolving payment, you can pay a fixed amount of your card bill each month. This payment method charges interest.

        • Interest rate: 21.60% annually.
        • Credit limit: €1,500.  

        The monthly payment settlement date is the last business day of each month. On the 5th of the following month, you will pay a fixed monthly amount that includes principal, interest and fees. 

        The minimum monthly amount is €18, and you can choose any higher amount. 

        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.

        Example of deferred revolving payment 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 a NIR of 21.60% and you choose to make a fixed monthly payment of €46.93, you would have to pay: 

        • 48 monthly payments of €46.93. 
        • The total amount payable will be €2,252.83 and the APR will be 24.15%.

        IMPORTANT: Due to the Iberia Classic Credit Card settlement system, it is not always possible to make repayments 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, November 12, 2023, you make a purchase for €1,500 and choose to make payments of €38 on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 21.60%, would be €2,125.01 The APR will be 23.86%.

      BBVA Online Banking

      Can you imagine having everything you need from your bank on your cellphone? With the BBVA app you have that.
      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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