With the BBVA Young Person's Después Card, you can buy whatever you need and get flexible payment terms. Select the payment method you want and change it at any time.
As part of our commitment to combat environmental problems, we launched the first sustainable credit card issued in Spain that is made with PVC recycled from waste*. We have minimized CO2 emissions and reduced the carbon footprint of both the materials used and of the transport, production and personalization of the cards.
Your cell phone is much more than just your telephone. You can us it to pay, including with your young person's Joven credit card in BBVA Mobile Pay, Google Pay, Samsung Wallet or Apple Pay. Can't find the card? Deactivate it, and reactivate it when you find it.
You can limit the use of the credit card for a certain period of time.
This card is particularly versatile since you can withdraw cash at BBVA ATMs from your account on debit at no charge, or on credit for a fee, depending on your situation that month.
The BBVA Después Young Person's Card covers you if you are a victim of fraud or if you are mugged at an ATM (up to €600 per claim and card).
It is the first credit card issued in Spain with PVC recycled from waste.* We wanted to minimize our CO2 emissions and reduce the carbon footprint through our choice of materials, transport, production and customization of the cards.
*100% recycled material.
Check to see if this card has an issue and maintenance fee for you.
Add the card to your smartphone from the BBVA app and pay directly with your phone.
The Young Person's Después credit card has an annual issue and maintenance fee of €23.
Depending on the type of account you have associated with the card and the products you have with BBVA, you may not have to pay this fee. 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.
Check to see if this card has an issue and maintenance fee using this calculator.
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:
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:
You take out the Young Person's Después 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:
Personalized payment example with fee:
Below are some examples of customised payment methods with a fee over 3 to 6 months. The NIR is 0% in every case
You take out the Young Person's Después 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:
If you choose to defer it over 5 months, this is what you will have to pay:
If you choose to defer it over 4 months, this is what you will have to pay:
If you choose to defer it over 3 months, this is what you will have to pay:
This system applies only to each specific settlement for which it is requested.
With the deferred payment revolving, you can pay a fixed amount of your card bill each month. This payment method charges interest.
The monthly payment settlement date is the 20th of each month, but if you have chosen to pay the bill on the 5th and you opted for the deferred payment, you will have to pay interest from the settlement date until the payment date.
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. Therefore, we recommend choosing an installment that allows you to repay the credit drawn down within a reasonable period of time.
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 card simulator revolving of the Bank of Spain to calculate the approximate total amount payable or the final payment date, based on the expense and the payment method selected.
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 a NIR of 21.60% and you choose to make a fixed monthly payment of €46.93, you would have to pay:
IMPORTANT: With the settlement system of the BBVA Después Young Person's 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:
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 €2,136.11. The APR will be 23.86%.
Remember that if you decide to pay the bill on the 5th of the month, you will have to pay interest from the settlement date until the payment date.
