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You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
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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.
      Apply

      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.

      When you withdraw cash on debit, that is, money available in your associated account, you will have to pay these fees:

      • BBVA ATMs in Spain: 0%.
      • ATMs of other banks in Spain: BBVA will charge the same fee as the owner of the ATM, which will be shown on the screen before the cash is dispensed. 
      • ATMs outside Spain: first, you will be charged 4.5% of the cash you take out (minimum of €3) and, thanks to the Premium Travel Pack, the same amount will be returned to the account associated with the card. 

      When you withdraw cash on credit, that is, money from your card's credit, you will have to pay these fees:

      • BBVA ATMs in Spain: 4% (€4 minimum).
      • ATMs of other banks in Spain: BBVA will charge the same fee as the owner of the ATM, which will be shown on the screen before the cash is dispensed. The fee for withdrawing cash on credit at BBVA ATMs in Spain will also be added. 
      • ATMs outside Spain: first, you will be charged 5% of the cash you take out (minimum of €3) and, thanks to the Premium Travel Pack, the same amount will be returned to the account associated with the card.

      If you use your Aqua Máxima card to pay for one or all of the subscriptions included in the promotion (Netflix, Spotify, Disney Plus, PlayStation Plus, DAZN, Glovo Prime, Amazon Prime and HBO Max), we will pay you back 10% of each payment charged to your card, up to €100 a year.

      For example, in the case of Amazon Prime, which has an annual subscription, a single refund will be made. In the case of monthly subscriptions, such as Netflix, 12 payments will be made per year.

      Every time a credit is posted to your card, a notification will be sent to your mobile.

       

      This is a perk included with the Aqua Máxima card, in which BBVA refunds the fee charged when withdrawing cash at ATMs outside Spain, and also refunds the fee charged for using the card for purchases in currencies other than the euro. 

      More information on the Premium Travel Pack

      If you make a purchase in any online store and it doesn't arrive, is faulty or doesn't match the product ordered, BBVA will help you file a claim with the store up to 180 days after the purchase payment date.

      More information on the Claims Handling Service.

      The card includes ATM robbery insurance, with the following conditions:

      • The maximum indemnity limit is €600 per claim and card, and €1,200 per card per year.
      • The insurance coverage extends for 15 minutes after the cash withdrawal is made.
      • To receive the compensation, you must pay €30 as an excess.

      No, you don't have to. Online stores like Amazon or Netflix let you enter your card details the first time you pay with it. Once you've entered the details, you don't have to re-enter a new CVV every time you make a purchase or pay for your subscription.

      Financed payments have a settlement period that starts on the first business day and ends on the last business day of the month. On the last day (30th or 31st), a bill is issued for the total of all the purchases you made with your credit card during this period. The bill is charged to the account on the 5th of the following month.

      Deferred payments are settled on the last business day of the month. This day (30th or 31st), the bill corresponding to the settlement is issued. The bill is charged to the account on the 5th of the following month.

      If that happens, you'll be able to use up to 20% more. A 3% fee is applied to the extra amount you use, with a minimum of €6 and a maximum of €12.

      A fee of 3% will be applied to the equivalent amount in euros for any transactions you make outside the eurozone, based on the exchange rate in effect for the payment systems on the corresponding settlement date. Before withdrawing cash, the corresponding fees will always be displayed on the ATM screen.


      With the Premium Travel Pack, however, which is included at no additional cost with your Aqua Máxima card, this fee will be refunded.

      With a debit card, you pay for your purchases immediately with the balance in your account. 


      With the credit card, you have a credit limit so you can buy on the spot and pay when it's best for you: the following month, in installments or with a fixed monthly payment.

      The CVV (Card Verification Value) code on the debit or credit card is used to verify that the person who owns the card is the one making the purchase. This code is usually printed on the back of the physical card. 

      To add one more layer of security, all Aqua Cards feature a dynamic CVV. This code is generated with every online purchase and is only valid for 5 minutes. This way, your money is even more protected against potential fraud or cyberattacks.

      The law requires us to give you this document with the pre-contractual information on the payment services of the Aqua Máxima credit card to help you better understand its terms and so you can make an informed decision.

       

      It's also important to check the PSD2 European regulation on the security of credit card payments.

       

      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

      • What interest do deferred (revolving) payments have?

        With deferred revolving payment, you can pay a fixed amount of your card bill each month. This payment method charges interest.

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

        Annual credit card issuance and maintenance fee of €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.

        • The monthly payment settlement date is the last business day of each month. On the 5th of the following month, you will pay a fixed monthly amount that includes principal, interest and fees.
        • The minimum monthly payment is €20, 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 credit or the balance you use. Because of this, selecting lower payments could lead to a smaller proportion of the principal being repaid every month.


        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 Bank of Spain's card simulator to calculate the approximate total card payment or the final payment date, based on the expense and the payment method chosen.

        Remember that you can change the payment method for your card whenever you want.

         

         

        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.

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