Can I use the BBVA Visa Platinum credit card outside the eurozone?

Yes, BBVA will charge you a fee of 3% 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 relevant charge is settled.

What is the settlement period and when is the monthly bill charged to the account?

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.

Pre-contractual information document for payment services

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.

BBVA Visa Platinum credit 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.

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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.

Pay for your card expenses however you like

With the BBVA Visa Platinum 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

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 Credit 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 Credit 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.

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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 BBVA Visa Platinum 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).

Credit limit of €1,500.

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 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.

The credit limit issued for the BBVA Visa Platinum credit card may be higher or lower than €1,500.

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: 15%.

Credit limit: €1,500. This card cannot be issued with a credit limit of €1,500, it has to be higher or lower.

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 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 15% and you choose to make a fixed monthly payment of €41.75, you would have to pay:

48 monthly payments of €41.75

The total amount payable will be €2,003.81 and the APR will be 16.25%.

IMPORTANT: Due to the BBVA Platinum Credit Card settlement system, it is not always possible to make repayments 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, November 12, 2023, you make a purchase for €1,500 and choose to make payments of €35 on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 15%, would be €1,933.25. The APR will be 15.96%.

Visa Platinum Credit Card

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