BBVA will charge you a fee of 1.5% on the equivalent amount in euros for all transactions outside the eurozone, based on the exchange rate applied by the payment systems on the date when the corresponding charge is settled.
BBVA Visa Platinum Card
The credit card that offers a limit of up to €30,000
- More than 4,500 BBVA ATMs at your disposal.
- Accident insurance of up to €1,250,000.
- Travel Assistance Insurance.
Pay for your card expenses however you like
-
With the BBVA Visa Platinum 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 payment revolving: pay a fixed amount of the bill on the 5th of the following month, with interest.
Defer any purchase instantly
-
Customised 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.
Get access to exclusive services
-
The BBVA Visa Platinum Card offers the following additional benefits:
- Extensive accident insurance, travel insurance and ATM robbery coverage.
The BBVA Visa Platinum Card lets you pay using BBVA Mobile Pay, Google Pay, Samsung Wallet and Apple Pay.
What are the requirements?
-
To get the BBVA Visa Platinum Card, you have to meet the following requirements:
- Be the holder of an account at BBVA.
- The granting of the BBVA Visa Platinum Card is subject to approval by BBVA.
New Travel Pack
Save on fees when paying and withdrawing money abroad with your card. Enable it and disable it whenever you want from the BBVA app.
Would you like more information?
What is the interest on a deferred purchase or bill (personalized payment)?
-
With the customised 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.
- Annual credit card issuance and maintenance fee: €90, check your card contract.
You take out the BBVA Visa Platinum 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 €112.19, which includes only interest and the annual credit card issuance and maintenance fee, which is €90.
- The next 11 installments will be for €148.94 each.
- The total amount payable will be €1,750.53 and the APR will be 33.14%.
Example of personalized payment 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).
- Credit limit €1,500.
- Annual credit card issuance and maintenance fee: €90, check your card contract.
Below are some examples of personalized 3-to-6-month revolving payment methods with a fee. The NIR is 0% in every case
You take out the BBVA Visa Platinum 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 €415 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 €90.
- The next 5 installments will be for €250 each.
The total amount payable will be €1,665 and the APR will be 47.99%.
If you choose to defer it over 5 months, this is what you will have to pay:
- The first installment will be for €454.50 and includes part of the principal, the deferral management fee, which is 4.3% of the amount financed, and the annual credit card issuance and maintenance fee, which is €90.
- The next 4 installments will be for €300 each.
- The total amount payable will be €1,654.50 and the APR will be 53%
If you choose to defer it over 4 months, this is what you will have to pay:
- The first installment will be for €519 and includes part of the principal, the deferral management fee, which is 3.6% of the amount financed, and the annual credit card issuance and maintenance fee, which is €90.
- The next 3 installments will be for €375 each.
- The total amount payable will be €1,644 and the APR will be 60.26%
If you choose to defer it over 3 months, this is what you will have to pay:
- The first installment will be for €633.50 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 €90.
- The next 2 installments will be for €500 each.
- The total amount payable will be €1,633.50 and the APR will be 72.00%
This system applies only to each specific settlement for which it is requested.
The credit limit issued for the BBVA Visa Platinum Card may be higher or lower than €1,500.
What interest do deferred revolving payments have?
-
With deferred payment revolving, you can pay a fixed amount of your card bill each month. This payment method charges interest.
- Interest rate: 11.76%.
- Credit limit: €1,500. This card cannot be issued with a credit limit of €1,500, it has to be higher or lower.
- Annual credit card issuance and maintenance fee: €90, check your card contract.
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. 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 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.
Deferred payment example revolving with fixed payment
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 annual NIR of 11.76% and you choose to make a fixed monthly payment of €33.97, you would have to pay:
- 48 monthly installments of €39.32
- The total amount payable will be €2,247.56 and the APR will be 24.67%,
The calculation of the APR and the total amount payable takes into account the €90 card issuance and maintenance fee, which is charged annually.
IMPORTANT: With the settlement system of the BBVA Platinum 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, May 1, 2020, you make a purchase for 1,500 euros and choose to make payments of €35.41 on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 11.76%, would be €2,200.44. The APR will be 26.26%.
The calculation of the APR and the total amount payable takes into account the €90 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.
You might also be interested in
-
Repsol más Platinum Visa card
- Save up to 7 cents/liter on Repsol Group gas.
- 5% in Repsol Group stores.
- Up to €1,250,000 in accident insurance.
- Credit card, you pay the following month or in installments.
-
BBVA Viajes+ Card
- Lower fees on purchases and ATMs outside Spain.
- 5% in B The Travel Brand, check with the agency.
- Trip cancellation and lost luggage insurance.
- Credit card, you pay the following month or in installments.
-
Iberia Icon Card
- 10% on Iberia airplane tickets.
- 1 Avios point for every €2 in purchases.
- Preferential boarding and insurance with extensive coverage.
- Credit card, you pay the following month or in installments.
Discover our credit cards
Be a BBVA customer.
- At BBVA we want to help you with your day-to-day errands.
- We are working to make your life a little easier with our digital solutions.
- Our approach is based on transparency, clarity and responsibility.
Visa Platinum Card
Apply