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    Aqua Máxima Credit Card

    The card with the most advantages

    • More savings: 10% refund on your subscriptions to Netflix, Spotify, HBO, Amazon Prime, Disney Plus, and more
    • More freedom: no fee for withdrawing cash abroad or for making purchases in other currencies.
    • More security: enjoy all the Aqua advantages.

    Our best card is special for what it gives, not for what it costs

    The good things are even more enjoyable if you pay less for them

    What's your favorite? Netflix, Spotify, Disney Plus, PlayStation Plus, DAZN, Glovo Prime, Amazon Prime and HBO Max. The Aqua Máxima card gives you back 10% on your subscription services.

    Plus, on the BBVA app you can see all the subscriptions you pay for with your card. 

    Once you make the payment, the 10% cash-back from the subscription payment will be deposited into your card account (up to €100 per year per card). 

    No more fees for everything when you travel abroad

    If you don't pay more to use your phone, you shouldn't pay for using your card either. That's why the Aqua Máxima card comes with the Premium Travel Pack as a gift (valued at €14.99/month), so you can forget about fees for taking out cash at ATMs and for exchanging currencies when making purchases.

    If you have to manage other people's purchases, it should at least be easy

    With your Aqua Máxima credit card, you get up to 3 virtual Aqua prepaid cards with no issue or maintenance fees to make it easy and affordable to track the online payments of your partner, your children... or anyone you want.

    Are you convinced by its savings?

    Apply for your Aqua Máxima Credit Card right here.

    Apply for card

    Just worry about enjoying yourself and decide later how you want to pay

    If you like it, don't hesitate. You can finance it over 3 months, interest-free.

    If you like something, from now on it will cost you less to decide because the Aqua Máxima card lets you pay for any purchase in 3 interest-free monthly installments (0% NIR, 0% APR).

    For example, if you choose to defer a purchase of €1,500 over 3 months: You will pay 3 installments of €500 (APR 0%).

     

    Are you convinced by its flexibility?

    Apply for your Aqua Máxima Credit Card right here.

    Apply for card

    Security, of course, is also guaranteed

    Aqua Máxima Card. Your security comes first

    • It has no printed numbers: only you can view the details of your Aqua Máxima card on the BBVA app. You will also receive a unique CVV code for each purchase.
    • It protects<span class="chino"> you when you shop online: If your purchase doesn't arrive, is faulty or just isn't right for you, we will help you process your claims with the store for up to 180 days after the purchase.
    • Coverage abro<span class="chino">ad: If your card is lost or stolen, in just 2 hours you'll have access to cash and, if you need it, we'll send you a new card.

    Surprises, only the good kind

    Manage your card from the app

    • Activate and deactivate your card whenever you want: You can't find your Aqua card? No more stress, simply turn it off from the BBVA app and then back on again whenever you want.
    • <span class="chino">Keep all your payments under control: We'll send you a notification every time you use your card. If something unusual happens, you'll know right away.

    Get all this without giving up on your environmental commitment

    If you want to reduce your plastic consumption, go ahead

    The Aqua Máxima card is made from recycled plastic, but the most important thing is that it comes in a digital version that lets you pay with your mobile or watch without needing to have a physical card.

    Do you want it? It's yours

    Apply for your Aqua Máxima Credit Card right here.

    Apply for card

    Get answers to all your questions

    The issue and maintenance fee of the Aqua Máxima credit card is €65 a year. 

    If, when you take out the card, you have a paycheck of at least €800 or a pension of at least €300 direct deposited into the account associated with the card, the fee will be €35 a year.

    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.

    Information on deferred purchases

    Interest or deferral fee of the Personalized Payment

    • What is the interest on a deferred purchase or bill (personalized payment)?

      With the personalized payment, you can pay for any purchase made with the card or the monthly amount owed in installments, 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, only the deferral fee is charged.

      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:

      Interest rate: 21.60% annually. Credit limit: €1,500.

      • If you take out the Aqua Máxima Credit Card with a limit of €1,500 and that same day, for example, November 12, 2023, you make a purchase for the same amount, this is what you would have to pay if you choose to finance over 12 months:
        • The first installment will be for €15.98.
        • The next 11 installments will be for €151.53, and will include principal and interest.
        • The total amount payable will be €1,682.81 and the APR will be 23.87%.
      Example of personalized payment with fee:

      Interest rate: 0% annual. Credit limit of €1,500.

      Deferral fee: 3.5%, 4.3%, 5.2% or 6% of the amount financed, depending on the period chosen (3, 4, 5 or 6 months).

      Below are some examples of personalized payment methods with a fee over 3 to 6 months. The NIR is 0% in all cases.

      • If you take out the Aqua Máxima Credit Card with a limit of €1,500 and that same day, for example, November 12, 2023, you make a purchase for the same amount.
        • If you choose to finance over 3 months:
          • You will pay 500 euros a month for three months.
          • The total amount payable will be €1,500 and the APR will be 0%.
        • If you choose to finance over 4 months:
          • The first payment will be for €64.50, which only includes the deferral fee, which is 4.3% of the amount financed. 
          • The following 4 installments will be for €375 each and include only principal. 
          • The total amount payable will be €1,564.50 and the APR will be 18.43%. 
        • If you choose to finance over 5 months:
          • The first payment will be for €78, which only includes the deferral fee, which is 5.2% of the amount financed.
          • The following 5 installments will be for €300 each and include only principal.
          • The total amount payable will be €1,578 and the APR will be 19.41%.
        • If you choose to finance over 6 months:
          • The first payment will be for €90, which only includes the deferral fee, which is 6% of the amount financed. 
          • The following 6 installments will be for €250 each and include only principal.
          • The total amount payable will be €1,590 and the APR will be 19.80%.

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

    Deferred payment (revolving) interest

    • Example of deferred payment with fixed amount:

      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:

      • 48 monthly payments of €46.93. 
      • The total amount payable will be €2,252.83 and the APR will be 24.15%.

      IMPORTANT: With the settlement system of the Aqua Máxima credit 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 payment, consisting 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, 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 €2,125.01. The APR will be 23.68%.

    Travel Pack

    Find out how to finance your purchases with BBVA's credit and debit cards

    Let us show you the different ways to finance your purchases, whether with your debit or credit card.
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    Aqua Máxima Credit Card
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