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Can I link the Iberia Classic Card to an account in another bank?

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)

What is the settlement period and when is the monthly bill charged to the account?

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.

Can I change my payment terms?

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

What happens if I exceed my credit limit?

If that happens, you'll be able to use up to 20% more. A 3% fee is applied to the extra amount you use, with a minimum of €6 and a maximum of €12.

Can I request more associated cards?

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.

What does "net purchase" mean?

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.

Pre-contractual information document for payment services

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 .

Information document on the insurance policy of the cards issued by Iberia Cards

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. See document

Iberia Classic Card

10% off on Iberia tickets at iberiacards.com/iberiadescuento.
Accrue €0.03/liter balance in Waylet when you fill up at Repsol, Campsa and Petronor.
Welcome promotion: get 4,500 Avios if, during the first 4 months, you make net purchases for a minimum of €2,000 in stores.

Pay for your card expenses however you like

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

Defer any purchase instantly

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.

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

Enjoy its discounts

The Iberia Classic Card lets you save and you can enjoy these advantages:

10% off on Iberia tickets, which you can buy on the Iberia Card website.

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.

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 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 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.

Check the balance and transactions of your Iberia Classic Card

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, the insurance on the Iberia Classic Card 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 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 the Iberia Classic Card

Apply

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

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?

€45. First year 50%.

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

With the personalized payment revolving, 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.

Personalized payment example revolving with interest:

Interest rate: 18% annually.

Credit limit: €1,500.

Annual credit card issuance and maintenance fee: €45.

You sign up for the Iberia Classic 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 €67.19, which includes only interest and the annual credit card issuance and maintenance fee, which is €45.

The next 11 installments will be for €148.94 each.

The total amount payable will be €1,705.53 and the APR will be 26.05%.

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).

Credit limit €1,500.

Yearly credit card issue and maintenance fee: €45.

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

You sign up for the Iberia Classic 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 €370 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 €45.

The next 5 installments will be for €250 each.

The total amount payable will be €1,620 and the APR will be 32.60%.

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

The first installment will be for €409.50 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 €45.

The next 4 installments will be for €300 each.

The total amount payable will be €1,609.50 and the APR will be 34.83%

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

The first installment will be for €474 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 €45.

The next 3 installments will be for €375 each.

The total amount payable will be €1,599 and the APR will be 38.03%

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

The first installment will be for €588.50 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 €45.

The next 2 installments will be for €500 each.

The total amount payable will be €1,588.50 and the APR will be 43.14%

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% annually.

Credit limit: €1,500.

Yearly credit card issue and maintenance fee: €45.

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.

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 €2,276.98 and the APR will be 25.00%

The calculation of the APR and the total amount payable takes into account the €45 card issuance and maintenance fee, which is charged annually.

IMPORTANT: With the settlement system of the Iberia Classic 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.

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 36.80 euros on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 17.52%, would be €2,195.89. The APR will be 25.90%.

The calculation of the APR and the total amount payable takes into account the €45 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.

Try out BBVA without being a customer

Iberia Classic Card

The credit card with discounts on flights, hotels and vehicle rentals.