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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, APR from 15.19% to 30.09%).

    For example, if you choose to split a €1,500 purchase over three months: the first payment will be €565, which includes the corresponding principal and the deferral management fee, which is 0% of the financed amount, and the annual credit card issuance and maintenance fee, which is €65. The next two payments will be for €500 each. The total amount payable will be €1,565 and the APR will be 30.09%. If you have to pay the annual €35 credit card issuance and maintenance fee, the total amount would be €1,535 and the APR 15.19%.

     

    Buy at your own pace and pay back what you spend however you prefer

    At the end of the month, you can decide whether to pay back the full amount at once, or finance a fixed amount of the total purchase.
    See options for financing purchases

    Are you convinced by its flexibility?

    Apply for your Aqua Máxima Credit Card right here.

    Apply for card

    Security, of course, is also guaranteed

    There are 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 you when you shop online

    And 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.

    Avoid problems abroad

    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

    Turn your card on and off whenever you want

    You can't find your card? No more stress, simply turn it off from the BBVA app and then back on again whenever you want.

    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.

    Use ATMs with total peace of mind

    You'll be able to take out cash on credit with no fees at over 4,500 BBVA ATMs and, if you ever get mugged, we will refund up to €600 (€1,200 total per card per year).

    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.

    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 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.

      Example of personalized payment with interest:

      Interest rate: 18% annually. Credit limit: €1,500.

      Yearly credit card issue and maintenance fee: €65. 

      See if your account contract allows you to waive this fee.

      • If you take out the Aqua Máxima Credit Card with a limit of €1,500 and that same day, for example, May 1, 2022, you make a purchase for the same amount, this is what you would have to pay if you choose to finance it over 12 months:
        • The first installment will be for €87.19. It will only include interest and the annual credit card issuance and maintenance fee, which is €65.
        • The next 11 installments will be for €148.94 each.
        • The total amount payable will be €1,725.53 and the APR will be 29.13%.
        • If 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 issuance and maintenance fee will be €35 per year and the total amount will be €1,695.53 and the APR will be 24.56%.
      Example of personalized payment with fee:

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

      Deferral fee: 0%, 3.6% 4.3% or 5% of the amount financed, depending on the period chosen (3, 4, 5 or 6 months).

      Annual issuance and maintenance fee: €65. If 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 per year.

      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, May 1, 2022, you make a purchase for the same amount.
        • If you choose to finance over 3 months:
          • The first installment will be for €565 and includes part of the principal, the deferral management fee, which is 0% of the amount financed, and the annual credit card issuance and maintenance fee, which is €65.
          • The next 2 installments will be for €500 each.
          • The total amount payable will be €1,565 and the APR will be 30.09%.
          • If you do not have to pay the €35 annual credit card issuance and maintenance fee, the total amount will be €1,535 and the APR will be 15.19%.
        • If you choose to finance over 4 months:
          • The first installment will be for €494 and includes part of the principal, the deferral management fee, which is 3.60% of the amount financed, and the annual credit card issuance and maintenance fee, which is €65.
          • The next 3 installments will be for €375 each.
          • The total amount payable will be €1,619 and the APR will be 47.47%
          • If you do not have to pay the €35 annual credit card issuance and maintenance fee, the total amount will be €1,589 and the APR will be 33.50%.
        • If you choose to finance over 5 months:
          • The first installment will be for €429.50 and includes part of the principal, the deferral management fee, which is 4.30% of the amount financed, and the annual credit card issuance and maintenance fee, which is €65.
          • The next 4 installments will be for €300 each.
          • The total amount payable will be €1,629.50 and the APR will be 42.99%.
          • If you do not have to pay the €35 annual credit card issuance and maintenance fee, the total amount will be €1,599.50 and the APR will be 31.13%.
        • If you choose to finance over 6 months:
          • The first installment will be for €390 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 €65.
          • The next 5 installments will be for €250 each.
          • The total amount payable will be €1,640 and the APR will be 39.19%.
          • If you do not have to pay the €35 annual credit card issuance and maintenance fee, the total amount will be €1,610 and the APR will be 29.44%.

      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 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 €2,356.98 and the APR will be 27.82%

      The calculation of the APR and the total amount payable takes into account the €65 card issuance and maintenance fee, which is charged annually.


      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, May 1, 2022, you make a purchase for 1,500 euros and choose to make payments of €36.79 on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 17.52%, would be €2,276.41. The APR will be 29.12%.

      The calculation of the APR and the total amount payable takes into account the €65 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.

    Aqua Máxima Credit Card
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