Fixed amount

  • Annual credit card issue and maintenance fee of €15 (1), which is paid in full in the first payment and is added to the capital.

    • Interest rate: 4.75% annually.
    • Credit limit of €1,500.

    Monthly payments for a fixed amount: you will pay a fixed amount every month monthly amount that includes the principal, the full interest for the period and the full amount of the fees accrued during the settlement period. The minimum monthly amount is €12, and you can choose any higher amount. 

    If you choose the Fixed Payment method, the payment date for the bill is the 5th of the following month following the settlement date, your card's credit limit is €1,500 and you make a single purchase for this amount on the same day that you sign up for the card (e.g. May 1), based on an annual nominal interest rate of 4.75% and a monthly payment of €145 (comprising capital, interest and fees), this is what you will pay:

    • 11 payments of €130. The first payment includes the total amount of the annual credit card issuance and maintenance fee, which is €15. This means you repay less capital than the total amount drawn down. This fee is paid on day 20 of the month. 
    • A final installment of €124.84.
    • The total amount payable will be €1,554.84 and the resulting APR will be 6.74%. 

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

    The fixed monthly amount may not be less than 3% of the balance drawn down that reflects the statement of the “Credit Card Account” before settlement, plus the relevant interest and fees generated during the associated monthly settlement period.

Personalized payment

  • This system lets you defer paying for a purchase made with the Card or the balance drawn down on your card after the monthly settlement date, provided the amount is at least €50. Payments will be for a fixed amount (that includes capital and interest) and will depend on the term you choose, within a minimum of 7 and a maximum of 36 payments. Personalized payments are settled on the last business day of each month. 

    Personalized payment With Interest 

    Annual credit card issuance and maintenance fee €(1).

    • Interest rate: 4.75% annually.
    • Credit limit of €1,500. 

    If your card has a credit limit of €1,500 and you make a purchase for the entire amount on the same day that you sign up for the card (e.g. May 1) and choose to pay it over 12 months, this is what you will pay:

    • the first payment will be 21.05 euros, and only includes interest and the amount
    • including the €0 annual credit card issuance and maintenance fee of €15.
    • The following 11 payments will be for €139.62 each.
    • The monthly bill payable will be €1,556.87 and the resulting APR will be 6.70%. 

    Personalized payment With Fee

    • Annual credit card issuance and maintenance fee €15(1). 
    • Deferral fee: 2.9%, 3.6% 4.3% or 5% on the amount deferred, depending on the period chosen (3, 4, 5 or 6 months). 
    • Credit limit of €1,500. 

    Below are some examples of personalized payment methods with a fee over 3 to 6 months, since they represent the maximum and minimum APRs, respectively. The NIR is 0% in all cases.

    If your card has a credit limit of €1,500, make a purchase for the entire the entire amount to make a purchase on the same day that you sign up for the card (e.g. May 1) and choose to pay it over 6 months, this is what you will pay:  

    • The first installment will be of €340 and includes the corresponding portion of the capital, the payment deferral fee (which is 5% of the amount financed) and the total amount of the annual credit card issuance and maintenance fee (which is €15).
    • The following 5 payments will be Euros 250 each. 
    • The monthly bill payable will be €1,575.00 and the resulting APR will be 23.39%. 

    If your card has a credit limit of €1,500, make a purchase for the entire amount on the same day that you sign up for the card (e.g. May 1) and choose to pay it over 3 months, this is what you will pay: 

    The first instalment will be €558.50, and includes the corresponding share of capital, the payment deferral fee of 2.9% of the financed amount and the €15 annual credit card issue and maintenance fee. 

    • The next 2 installments will be €500 each. 
    • The monthly amount payable will be 1,543.50 and the APR: 26.71%. 

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