Annual credit card issuance and maintenance fee of €90 for the card holder and €50 for the beneficiary, which is paid in full in the first installment and is added to the capital balance. 

• Interest rate: 17.52% annually.
• Credit limit of €3,000.
  

Payment of a fixed monthly amount in installments: Each month you will pay a fixed monthly amount that includes capital, interest and fees. The minimum monthly amount is €18, and you can choose any higher amount. 

If you choose the Fixed Installment payment method, your card's credit limit is €3,000 and you make a single purchase for this amount on the same day that you sign up for the card (e.g. May 1), based on an annual nominal interest rate of 17.52% and a monthly payment of €300 (comprising capital, interest and fees), this is what you will pay:

• 11 installments of €300. The first payment includes the total amount of the annual credit card issuance and maintenance fee, which is €90. This means you repay less capital of the total amount drawn down. This installment is paid on the 30th of the month. 
  
• A final installment of €73.44.
• The total amount payable will be €3,373.44 and the resulting APR will be 25.52%. 

The fixed monthly amount may not be less than 3% of the drawn balance reflected in the "Credit Card Account" statement before settlement, plus the interest generated during the corresponding monthly settlement period and the relevant fees.

This system lets you defer paying for a purchase made with the Card or the balance drawn on your card after the monthly settlement date, provided the amount is at least €50. Payments will be for a fixed amount (that includes capital and interest) and will depend on the term you choose, within a minimum of 7 and a maximum of 36 payments. Personalized payments are settled on the last business day of each month. 

Personalized payment With Interest 

€45 annual credit card issuance and maintenance fee

Interest rate: 18% annually 

Credit limit of €3,000

If your card has a credit limit of €3,000, and you spend the entire amount entire amount on the same day that you sign up for the card (e.g. May 1) and choose to pay it over 12 months, this is what you will pay:

• the first payment will be €135.86 and includes only interest and the full amount of the annual credit card issuance and maintenance fee (€90).
• the next 11 installments will be €297.88 each.

The total amount payable will be €3,412.54, and the resulting APR will be26.17%. 

Personalized payment With Fee

€45 annual credit card issuance and maintenance fee 

Deferral fee: 2.9%, 3.6% 4.3% or 5% of the deferred amount depending on the period chosen (3, 4, 5 or 6 months). 

Credit limit of €3,000 

Below are some examples of personalized payment methods with a fee over 3 to 6 months, since they represent the maximum and minimum APRs, respectively. The NIR is 0% in all cases.

If your card has a credit limit of €3,000, and you spend the entire amount in a single purchase on the day you take out the card (e.g. May 1) and choose to pay it over 6 months, you will pay: 

The first payment will be €740 and includes the corresponding portion of the capital, the deferral management fee (5% of the amount financed), and the total amount of the annual credit card issuance and maintenance fee (€90).

The next 5 installments will be of €500 each. 

The total amount payable will be €3,240 and the resulting APR will be 32.60%. 

* The APR of illustrative examples has been calculated with an amount greater than €1,500, as it is not possible to sign up for this card with this credit limit.