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      Repsol Más Visa Crédito Card

      The credit card that lets you save when you travel

      • Save up to 7 cents/liter at Repsol, Campsa and Petronor gas stations.
      • 5% discount in shops and on lubricants, car washes and Blue+ at gas stations of the Repsol Group.
      • No issue and maintenance fee for the first year. 
      • Up to €310,000 in accident insurance.
      Apply for card
      If you are not a BBVA customer, to apply for the Repsol Card, you must first become a customer by opening the Online Account
      Travel Pack

      Turn your card into a travel card

      Activate the Travel Pack on your card and save fees for purchases and cash withdrawals outside Spain. You have 3 plans to choose from. Enable it from the app.
      Discover it

      Pay for your card expenses however you like


      • With the Repsol más Visa Credit Card, you can buy whatever you need and get flexible payment terms. Select the payment method you want and change it at any time.

        • Full payment: pay your monthly credit card bill on the 5th of the following month.
        • Deferred revolving payment: pay a fixed amount of the bill on the 5th of the following month, with interest.

         

      Instantly split your purchase payments


      • Personalized payment lets you defer your monthly card payment or any purchase of at least €50. You can choose from 3 to 6 months (no fee) or from 7 to 36 months (with interest). Calculate your payment in the app or at bbva.es.

      Gasoline and fuel consumption cost calculator

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      Calculate your gas expenses and consumption for a trip at any time of year based on the kilometers traveled.
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      Do you want to pay less?


      • The Repsol más Visa Credit Card lets you save on fuel:

        • 3-cent discount on the spot per liter of Efitec 95 Neotech, Diésel e+ Neotech and AutoGas.
        • 5-cent discount on the spot per liter of Diésel Nexa 100% renewable, Efitec Nexa 100% renewable, Diésel e+10 and Efitec 98.
        • Quarterly discount of 2 cents/liter if you refuel at least 250 liters during the quarter. Refunded by way of a fuel check to be used at Repsol Group gas stations within 3 months after its issue.
        • No annual credit card issue and maintenance fee when you refuel at least 500 liters in a year. A fuel check is refunded, to be used in Repsol Group gas stations 3 months after its issue.

        You will also get 5% off in stores and on lubricants, car washes and Blue+ of the Repsol Group, and other benefits, which you can check on the Repsol website.

      With the advantages of being with BBVA


      • With the Repsol más Visa Crédito card You will obtain a series of additional benefits:

        • Get instant notifications and turn your cards off and on whenever you want. 

        Whenever you pay or withdraw cash at an ATM with your Repsol Más Visa Credit Card, we will send you a notification via the BBVA app so you can review your daily spending and make sure that only you are using the card.

        If you ever need to, you will be able to temporarily block your card, or cancel it completely, by simply going into the BBVA app or at BBVA.es.

        • Set your own limits

        You can set up limits for using your card to give you better control over your expenses by setting a daily ATM cash withdrawal limit or placing limits on your purchases at physical or online stores.

        • Security at ATMs

        If you're robbed at an ATM, the insurance of the Repsol Más Visa Credit Card will cover up to €600 per event, up to a maximum of €1,200 per card per year.

        See insurance terms and conditions

        • Accident insurance of up to €310,000

      Apply for the Repsol más Visa Credit Card

      Apply

      Would you like more information?

      If you are not a BBVA customer, you can apply for the Repsol Más Visa Credit Card at the same time you open your BBVA account, through bbva.es or at branches.

      The granting of this credit card is subject to the bank's prior approval. If the analysis cannot be completed when you open your account, you can open your account with the Repsol Más Visa Debit Card, and apply for the credit card at a later date.

      If you are already a BBVA customer, you can obtain the card through the BBVA website or app or at any branch.

      The Repsol más Visa Credit Card has no issue and maintenance fee the first year. From the second, this fee will be €43 for the holder and beneficiary cards.

      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.

      A fee will be charged for cash withdrawals on credit at ATMs in the following cases:

      • ATMs of the BBVA GROUP in Spain: 4% (minimum of €4).
      • ATMs of banks other than the BBVA Group in Spain: Fee by the ATM owner of 3.5% (minimum €3).
      • ATMs located outside Spain: 5% (minimum €3).

      A fee will be charged for cash withdrawals on debit at ATMs in the following cases:

      • ATMs of the BBVA GROUP in Spain: 0%.
      • ATMs of banks other than the BBVA Group in Spain: Fee by the ATM owner.
      • ATMs located outside Spain: 4.5% (minimum €3).

      You can draw down between €100 and €6,000.

      The settlement period 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, and then charged to the account on the 5th of the following month.

       

      If you make this change before the 20th of the month, it will take effect in the settlement of the current month. If you change it between the 20th and 30th of the month, the change will be applied in the settlement of the following month.

      Every month you will receive a detailed report of all the payments made and cash withdrawn from ATMs using your credit card.

      Yes, you can request an additional card for other users. These cards will be associated to the same account and will share your same credit limit.

      By law, we have to provide you with a standard document with the pre-contractual information on payment services to help you better understand its main features and so you can compare with other cards and make an informed decision.

      Open document.

      See the European regulation, PSD2, on electronic payment services here.

      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, 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.

        You take out the Repsol Más Visa Credit 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: 

        • The first installment will be for €15.98 and it only includes interest.
        • The following 11 installments will be for €151.53 each.
        • The total amount payable will be €1,682.81 and the APR will be 23.87%.

        Example of personalized payment with fee:

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

        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 Repsol Más Visa Credit 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: 

        • 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%.

        If you choose to defer it over 5 months, this is what you will have to pay: 

        • 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 defer it over 4 months, this is what you will have to pay:

        • 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 defer it over 3 months, this is what you will have to pay: 

        • The first payment will be for €52.50, which only includes the deferral fee, which is 3.5% of the amount financed.
        • The following 5 installments will be for €500 each and include only principal.
        • The total amount payable will be €1,552.50 and the APR will be 17.72%.

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

      What interest do deferred revolving payments have?


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

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

        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 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 Bank of Spain's revolving 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 revolving 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 24.61%.

        IMPORTANT: With the settlement system of the Repsol Más Visa 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 fee, made up 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, February 21, 2025, 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 €2,115.68. The APR will be 23.67%.

      BBVA Online Banking

      Can you imagine having everything you need from your bank on your cellphone? With the BBVA app you have that.
      Find out about all of BBVA's procedures and tools that are available on your cell phone to make your day-to-day life easier.
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      Repsol Más Visa Crédito Card
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