Paying a fixed amount every month

  • Annual credit card issuance and maintenance fee of €23 (1), which is paid in full in the first installment and is added to the capital balance.

    • Interest rate: 17.52% annually.
    • Credit limit of €1,500.

    Payment of a fixed monthly amount in installments: Each month you will pay a fixed amount that includes capital, interest and fees. The minimum monthly amount is €12, and you can choose any higher amount. 

    If you choose the fixed installment payment method, you pay the bill on the 5th of the month following the settlement date, your card's credit limit is €1,500 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 €150 (comprising capital, interest and fees), this is what you will pay:

    • 11 installments of €150. The first installment includes the total amount of the annual credit card issuance and maintenance fee, which is €23. This means you repay less capital than the total amount drawn down. This fee is paid on the 20th of each month. 
    • A final installment of €14.42.
    • The total amount payable will be €1,664.42 and the resulting APR will be 22.59%.

    The monthly payment settlement date is day 20 of each month. However, if you have chosen to pay the bill on day 5, you will pay interest on this payment from the settlement date until the payment date. 

    If you do not have to pay the annual credit card issuance and maintenance fee, the total amount payable over 12 months will be €1,642.04 (11 installments of €145 and a final one of €47.04) and the APR will be 18.95%

    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.

Personalized payment

  • Annual credit card issuance and maintenance fee of €23 (1).

    This system allows you to defer the payment of a purchase made with the Card or the balance drawn down on your card after the monthly settlement date, provided the amount is equal to or greater than €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 

    Annual credit card issue and maintenance fee of €23 (1)

    Interest rate: 18% annually 

    Credit limit €1,500 

    If your card has a credit limit of €1,500 and you spend the entire amount in a single purchase on the day you take out the card (for example on May 1) and choose to pay it over 12 months, you will pay:

    the first payment will be €45.93, including only interest and the full amount of the annual credit card issue and maintenance fee (which is €23).

    The following 11 payments will be Euros 148.94 each.

    The total amount payable will be €1,684.27 and the resulting APR will be 22.91%. 

    If you do not have to pay the annual credit card issuance and maintenance fee (see conditions), the total amount payable over 12 months will be €1,661.27, and the APR will be 19.63%. 

    Personalized payment With Fee

    Annual credit card issue and maintenance fee of €23 (1) 

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

    Credit limit €1,500 

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

    If your card has a credit limit of €1,500 and you spend the entire amount in a single purchase on the day you take out the card (for example on May 1) and choose to pay it over 6 months, you will pay: 

    The first payment will be €348 and includes the corresponding portion of capital, the deferral management fee (which is 5% of the amount financed) and the total amount of the annual credit card issuance and maintenance fee (which is €23).

    The following 5 payments will be Euros 250 each. 

    The total amount payable will be €1,598 and the resulting APR will be 25.77%. 

    If you do not have to pay the annual credit card issuance and maintenance fee (see conditions), the total amount payable over 6 months will be €1,575.00, and the APR will be 19.07%. 

    If your card has a credit limit of €1,500, you use the entire limit to make a purchase on the same day that you sign up for the card (e.g. May 1) and choose to pay it over 3 months, this is what you will pay: 

    The first payment will be €566.50, which includes the part associated with the principal, the deferral fee, which is 2.9% of the financed amount, and the total amount of the annual card issue and maintenance fee, which is €23. 

    The next 2 installments will be €500 each. 

    The total amount payable will be €1,566.50 and the APR: 30.89%. 

    If you do not have to pay the annual credit card issuance and maintenance fee (see conditions), the total amount payable over 3 months would be €1,543.50, and the APR will be 19.23%. 

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

    (1) Consult your account contract for the requirements of the exemption from the annual issuance and maintenance fee.