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      Iberia Icon Card

      The Iberia card that gives you discounts on tickets and privileges on flights.

      Get more Avios points and save on flights, hotels and car rentals.
      • 10% off on Iberia tickets at iberiacards.com/iberiadescuento.
      • Welcome promotion: get 9,000 Avios if you make a minimum of €2,000 worth of purchases at shops during the first 4 months. 
      • 3 cent/liter discount at Repsol, Campsa and Petronor. 
      Apply

      Pay for your card expenses however you like

      • With the Iberia Icon 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 or a percentage of the bill on the 5th of the following month, both 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 €2 you purchase, get 1 Avio, redeemable for discounts on flights and hotels.

      Enjoy discounts

      • With the Iberia Icon Card, save on tickets and fuel:
         
        • 10% off on Iberia tickets if you buy them at iberiacards.com/iberiadescuento.
        • Discount of €0.03/liter at Repsol, Campsa, and Petronor.
        • Access to Luxury Hotel Collection Visa privileges.
        • Get extra Avios when you rent vehicles from Avis and sign up for the Avis Preferred Plus program.
        • Get extra Avios at Seleccion Iberia Cards when you make a purchase from a selection of stores through iberiacards.es.

        See more

      Get access to exclusive services

      • The Iberia Icon Card also offers:
         
        •  Privileges of the Iberia Plus Silver Card. See details
        • Accident insurance up to €751,300.
        • Travel assistance insurance of up to €9,000. See details

      What are the requirements?

      • To apply for the Iberia Icon Card you have to satisfy the following requirements:
         
        • Have an account in BBVA and be the account holder.
        • The granting of the card is subject to approval by BBVA.

      Apply for the Iberia Icon Card

      Apply

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

      Would you like more information?

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

      A fee will be charged for cash withdrawals on credit at ATMs in the following cases:

      • ATMs of the BBVA group in Spain: 2.5% (minimum €3).
      • ATMs of banks other than the BBVA Group in Spain: BBVA will charge the same fee as it is charged by the bank that owns the ATM. The ATM will display the amount to be deducted before you withdraw any funds. Also, BBVA will charge you the fee for withdrawing cash on credit at BBVA Group ATMs in Spain (3.5%, with a minimum of €3).
      • ATMs located outside of Spain: 4.5% (minimum €4).

      A fee will be charged for cash withdrawals on debit at ATMs in the following cases:

      • ATMs of the BBVA group in Spain: 0%.
      • ATMs of banks other than the BBVA Group in Spain: BBVA will charge the same fee as it is charged by the bank that owns the ATM. The ATM will display the amount to be deducted before you withdraw any funds.
      • ATMs located outside of Spain: 4.5% (minimum €4).

      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: €3,000. 
      • Annual credit card issuance and maintenance fee: €90. 

      You sign up for the Iberia Icon Card with a limit of €3,000. 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 €134.38, which includes only interest and the annual credit card issuance and maintenance fee, which is €90.
      • The next 11 installments will be for €297.88 each.
      • The total amount payable will be €3,412.54 and the APR will be 26.05% (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). 
      • Credit limit of €3,000. 
      • Yearly credit card issue and maintenance fee: €90.

      You sign up for the Iberia Icon Card with a limit of €3,000.  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 €740 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 €90.
      • The next 5 installments will be for €500 each. 
      • The total amount payable will be €3,240 and the APR will be 32.60%.

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

      The APR in these representative examples was calculated based on an amount greater than €1,500, since it is not possible to get this card with a €1,500 credit limit.

       

      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% annually.
      • Credit limit: €3,000. 
      • Yearly credit card issue and maintenance fee: €90. 

      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 €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

      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 €2,096.88 and the APR will be 18.99% (18.99% 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. 

      In the case of the Iberia Icon Card, keep in mind that the €90 issuance and maintenance fee (which the bank charges annually) and the minimum monthly repayment percentage (3%) mean that the 48 monthly payments will be different, even if you select a payment of €36.80.

      So if you take out the card and that same day, for example, May 1, 2020, you make a purchase for your full credit limit and decide to pay the bill on the 5th of that month, this is what you would have to pay:

      • 48 monthly payments of different amounts (including principal and interest). 
      • The total amount payable will be €2,375.89 and the APR will be 33.26% (18.99% NDER)

      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 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, an annual credit card issuance and maintenance fee of €90 for the account holder and of €50 for the beneficiary. In the first year there is a 50% reduction on the fee in both cases. 

      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.

      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 issued to the card account. Cash withdrawals at ATMs do not count toward the total.

      A fee of 3.00% on the equivalent amount in euros for all transactions outside of the eurozone, based on the exchange rate obtained by the Payment Systems on the date when the corresponding settlement occurs.

      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

      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

      You might also be interested in

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        • Credit card, you pay the following month or in installments.
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        • Lower fees on purchases and ATMs outside Spain.
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        • Credit card, you pay the following month or in installments.
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      • Repsol más Visa Débito Card

        • Save up to 7 cents/liter on Repsol Group gas.
        • 5% in Repsol Group stores.
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        • Pay with the money in your account.
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      Discover our credit cards

      • BBVA Después Card.
      • BBVA Después Gold Card.
      • Repsol más Visa Credit card.
      • Repsol más Visa Platinum Card.
      • Via T Card.
      • BBVA Viajes+ Card.
      • Iberia Classic Card.
      • Iberia Icon Card.
      • Renfe Dorada Card.
      • BBVA Infinite VISA Card.
      • Después Young Person's Card.
      • BBVA credit cards.
      • Go to BBVA Cards category.

      Be a BBVA customer.

      • We have a network of 6,000 ATMs in Spain that are always available for you.
      • We are leaders in digital innovation working to make your life that bit easier.
      • Our approach is based on transparency, clarity and responsibility.

      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.
      More information

      Your bank on your smartphone with the BBVA app

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      Iberia Icon Card
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