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

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).

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.

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

What is the fee for using the card outside the eurozone?

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.

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

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 .

See the European regulation, PSD2, on electronic payment services here. See document

Iberia Icon Card

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.
Accrue €0.03/liter balance in Waylet when you fill up at Repsol, Campsa and Petronor.

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 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 €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.

You'll also get a €0.0-3/liter balance in Waylet when you fill up at Repsol, Campsa and Petronor gas stations.

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.

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, 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.

What is the interest on a deferred purchase or monthly 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: €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 €3,411.06 and the APR will be 26.05%.

Example of personalized revolving 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).

Credit limit: €3,000.

Yearly credit card issue and maintenance fee: €90.

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 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%

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

The first installment will be for €819 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 €90.

The next 4 installments will be for €600 each.

The total amount payable will be €3,219 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 €948 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 €90.

The next 3 installments will be for €750 each.

The total amount payable will be €3,198 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 €1,177 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 €90.

The next 2 payments will be for €1,000 each.

The total amount payable will be €3,177 and the APR will be 43.14%

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

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: €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 amount 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 €2,456.98 and the APR will be 31.42%

The calculation of the APR and the total amount payable takes into account the €90 card issuance and maintenance fee, which is charged annually.

IMPORTANT: With the settlement system of the Iberia Icon 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 37.14 euros on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 17.52%, would be €2,373.97. The APR will be 33.29%.

The calculation of the APR and the total amount payable takes into account the €90 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.

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Iberia Icon Card

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