Paying a fixed amount every month

  • Annual credit card issuance and maintenance fee of €0, which is payable in full in the first installment and is added to the principal. 

    NIR: 4.75% annual

    Credit limit of €6,000.

    Monthly payments for a fixed amount: Each month you will pay a fixed monthly amount that includes capital, interest and fees. The minimum monthly amount is €5, and you can choose any higher amount. 

    If you choose the Fixed Installment payment method, your card's credit limit is €6,000 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 €550 (comprising principal, interest and fees), this is what you will pay in 12 months:

    11 payments of €550. The first payment includes the full annual €0 credit card issuance and maintenance fee, which means you repay less capital than the total amount drawn down.  

    A final payment of €96.46. 

    The total amount payable will be €6,146.46 and the resulting APR will be 4.75%.

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

Personalized payment

  • €0 annual credit card issuance and maintenance fee

    This system allows you to defer the payment of a purchase made with the Card or the balance drawn down on your card after the monthly settlement date, provided the amount is equal to or greater than €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 

    €0 annual credit card issuance and maintenance fee

    Interest rate: 18% annually.

    Credit limit of €6,000.

    If your card has a credit limit of €6,000 and you use the full 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 12 months, this is what you will pay:

    the first payment will be for €91.73, which only includes interest and the full amount of the annual credit card issuance and maintenance fee, which is €0. 

    The following 11 payments will be for €595.76 each. 

    The total amount payable will be €6,645.08 and the resulting APR will be 19.63%. 

    Personalized payment With Fee

    €0 annual credit card issuance and maintenance fee.

    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 €6,000 

    Below are some examples of personalized payment methods with a fee over between 3 and 6 months, as they represent the maximum and minimum APRs, respectively. 

    If your card has a credit limit of €6,000, you use 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 payment will be for €1,300 and includes the corresponding portion of the principal, the deferral management fee (which is 5% of the amount financed) and the total amount of the annual credit card issuance and maintenance fee, which is €0.

    The next 5 payments will be for €1,000 each. 

    The total amount payable will be €6,300, and the resulting APR will be 19.07%. 

    If your card has a credit limit of €6,000, you use the entire limit to make a purchase on the same day that you receive the card (e.g. May 1) and choose to pay it over 3 months, this is what you will pay: 

    The first payment will be for 2,174 euros, which includes the part associated with the principal, the deferral fee, which is 2.9% of the financed amount, and the total amount of the annual card issue and maintenance fee, which is €0. 

    The next 2 payments will be for €2,000 each. 

    The total amount payable will be €6,174 and the APR: 19.23%. 

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

    (*) The APR of the representative examples has been calculated based on an amount greater than 1,500 euros, as it is not possible to sign up for this card with this credit limit.