Coverage that accompanies your plans

Continue to enjoy your daily life and pay with greater peace of mind thanks to the protection included with your card.

  • Travel accident insurance up to €760,000.
  • Travel Assistance Insurance.
  • ATM robbery insurance with compensation of up to €600 per incident, with a maximum of €1,200 per card per year.

Maximum security for your card

Keep control of your card at all times. If you need help, our team is available 24/7.

  • With no printed numbers, your card details are not visible so no one can see them, and it also has a dynamic CVV for online purchases.
  • We send you a notification every time it is used, and if you see anything suspicious, you can block it instantly.
  • If you cannot locate your card, you can temporarily disable it from the app and create a digital version to continue paying from your mobile phone.

 

Learn more about Aqua Gold

Pay for your purchases at your own pace

Split your purchases one by one with personalized payment or adjust your card's monthly installment to repay the expense with revolving deferred payment.

  • 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: €3,000. 

    You take out the Aqua Gold credit card with a limit of €3,000. That same day, for example, March 8, 2026, 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 payment will be for €40.83 and it only includes interest.
    • The following 11 installments will be for €303.06 each.
    • The total amount payable will be €3,374.49 and the APR will be 23.87%.

    Example of personalized payment with fee:

    • Deferral fee: 0%, 4.3%, 5.2% or 6% of the amount financed, depending on the period chosen (3, 4, 5 or 6 months). 
    • Credit limit of €3,000.

    Below are some examples of customised payment methods with a fee over 3 to 6 months. The NIR is 0% in every case.

    You take out the Aqua Gold card with a limit of €3,000.  That same day, for example, March 8, 2024, 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 €180, which only includes the deferral fee, which is 6% of the amount financed.
    • The following 6 installments will be for €500 each and include only principal.
    • The total amount payable will be €3,180 and the APR will be 18.89%.

    If you choose to defer it over 5 months, this is what you will have to pay: 

    • The first payment will be for €156, which includes part of the principal and the deferral fee, which is 5.2% of the amount financed.
    • The following 5 installments will be for €600 each and include only principal.
    • The total amount payable will be €3,156 and the APR will be 18.43%.

    If you choose to defer it over 4 months, this is what you will have to pay: 

    • The first payment will be for €129, which includes part of the principal and the deferral fee, which is 4.3% of the amount financed.
    • The following 4 installments will be for €750 each and include only principal.
    • The total amount due will be €3,129, and the APR will be 17.44%.

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

    • You will pay €1000 a month for three months.
    • The total amount payable will be €3,000 and the APR will be 0%.

    This system applies only to each specific settlement for which it is requested.
    The APR in these representative examples was calculated based on an amount greater than €1,500, since it is not possible to get this card with a €1,500 credit limit.

Do you have any queries?

The most comprehensive credit cards

  • A card with no annual fee that offers you basic protection and assistance for your travels.

    • Up to €760,000 in accident insurance
    • Travel insurance and insurance against muggings at ATMs.
    • With a limit of up to €30,000.

  • A premium card with coverage and services designed to help you pay for your everyday expenses and travel with greater peace of mind.

    • Up to €1,250,000 in accident insurance.
    • Travel insurance and insurance against muggings at ATMs.
    • 0% commission abroad.

  • The most exclusive card, with exclusive coverage and services for your travels.

    • Up to €1,500,000 in accident insurance.
    • Additional insurance and concierge service.
    • VIP travel experiences and 0% commission abroad.