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      Repsol más Visa Crédito card

      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. 
      • Accident insurance up to €310,000
      Apply
      Not a customer? Apply for the Repsol Más Visa Debit Card, along with the Online Account
      Sign up for your Repsol Debit Card now, free of charge for the first year, and your Online Account Without Fees or Conditions, and start enjoying all the advantages of BBVA.
      More information
      Apply

      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 21st of the same month or the 5th of the following month.
        • Deferred revolving payment: pay a fixed amount or a percentage of the bill on the 21st of each month, both with interest. You can also do so on the 5th of the following month, although you will have to pay interest on the amount until the payment date.

      Defer any purchase instantly

      • The personalized revolving payment lets you defer your monthly card payment or any purchase from €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

      Find out online and free

      Calculate your gas expenses and consumption for a trip at any time of year based on the kilometers traveled.
      Go to the calculator

      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 Efitec 98 Neotech and Diésel e+ 10 Neotech.
        • 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.

        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?

      The Repsol más Visa Credit Card has no issue and maintenance fee the first year. From the second, this fee will be €43 (€35 for additional cards).

      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.

      With the personalized paymentrevolving, 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.

      Personalized payment example revolving with interest:

      • Interest rate: 18% annually.
      • Credit limit: €1,500. 
      • Yearly credit card issue and maintenance fee starting the second year: €43. 

      You take out the Repsol Más Visa Credit Card with a limit of €1,500. That same day, for example, May 1, 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 €65.19, which includes only interest and the annual credit card issuance and maintenance fee, which is €43.
      • The next 11 installments will be for €148.94 each.
      • The total amount payable will be €1,703.27 and the APR will be 25.75% (19.56% NDER).

      Personalized payment example revolving with fee:

      • Deferral fee: 2.9%, 3.6% 4.3% or 5% of the amount financed, depending on the period chosen (3, 4, 5 or 6 months). 
      • Interest rate: 0% yearly.
      • Credit limit €1,500. 
      • Yearly credit card issue and maintenance fee starting the second year: €43. 

      Below are some examples of personalized revolving payment methods with a fee from 3 to 6 months, as they represent the maximum and minimum APRs, respectively. 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, May 1, 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 installment will be for €368 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 €43.
      • The next 5 installments will be for €250 each. 
      • The total amount payable will be €1,618 and the APR will be 31.96%.

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

      • The first installment will be for €586.50 and includes part of the principal, the deferral management fee, which is 2.9% of the amount financed, and the annual credit card issuance and maintenance fee, which is €43.
      • The next 2 installments will be for €500 each. 
      • The total amount payable will be €1,586.50 and the APR will be 41.99%

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

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

      • Interest rate: 17.52%.
      • Credit limit: €1,500. 
      • Yearly credit card issue and maintenance fee starting the second year: €43. 

      The monthly payment settlement date is the 20th of each month, but if you have chosen to pay the bill on the 5th and you opted for the deferred payment, you will have to pay interest from the settlement date until the payment date.

      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. 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 card calculator revolving of the Bank of Spain to calculate the approximate total amount payable or the final payment date, based on the expense and the payment method selected.

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

      Deferred payment example revolving with fixed payment

      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 €2,096.88 and the APR will be 18.99% (18.99% NDER).

      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. 

      In the case of the Repsol Más Visa Credit Card, keep in mind that the €43 issuance and maintenance fee (which the bank charges annually) and the minimum monthly repayment percentage (3%) mean that the 48 monthly payments will be different, even if you select a payment of €37.87.

      So if you take out the card and that same day, for example, May 1, 2020, you make a purchase for your full credit limit and decide to pay the bill on the 5th of that month, this is what you would have to pay:

      • 48 monthly payments of different amounts (including principal and interest). 
      • The total amount payable will be €2,191.33 and the APR will be 25.78% (18.99% NDER).

      Remember that if you decide to pay the bill on the 5th of the month, you will have to pay interest from the settlement date until the payment date.

      The fixed monthly payment may not be less than 3% of the amount spent, shown in the "Credit Card Account" statement before settlement, plus the interest generated during the corresponding monthly settlement period and the relevant fees.

      The settlement period starts on the 20th of the month and ends on the 20th of the following month. 

      On the 20th of each month, a bill is issued for the total of all the purchases you made with your credit card during this period. If the 20th is not a business day, it will be issued on the preceding business day. 

      You can choose the bill charge date: the 21st of the settlement month or the 5th of the following month, and you can change it at any time. Although if you opted for deferred payments, you will have to pay interest from the settlement date until the payment date.

      If you change the debit date before the 20th of the month, it will take effect in that month's settlement. If you change it between day 20 and 30 of the month, the change will take effect in the settlement for 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.

      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.

      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. 

      See document

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      • VIA-T Card

        • Pay at tolls without stopping.
        • Pay in parking lots without waiting.
        • Valid in Spain, Portugal and France.
        • Credit card, you pay the amount the following month.
        More information Apply
      • BBVA Viajes+ Card

        • Lower fees on purchases and ATMs outside Spain.
        • 5% in B The Travel Brand, check with the agency.
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        • Credit card, you pay the following month or in installments.
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      Discover our credit cards

      • BBVA Después Card.
      • BBVA Después Gold Card.
      • Repsol más Visa Credit card.
      • Repsol más Visa Platinum Card.
      • Via T Card.
      • BBVA Viajes+ Card.
      • Iberia Classic Card.
      • Iberia Icon Card.
      • Renfe Dorada Card.
      • BBVA Infinite VISA Card.
      • Después Young Person's Card.
      • BBVA credit cards.
      • Go to BBVA Cards category.

      Be a BBVA customer.

      • We have a network of 6,000 ATMs in Spain that are always available for you.
      • We are leaders in digital innovation working to make your life that bit easier.
      • Our approach is based on transparency, clarity and responsibility.

      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.
      More information

      Your bank on your smartphone with the BBVA app

      Download for iOS
      Download for Android

      Repsol más Visa Crédito card
      Apply
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