For people over 60.
With the Dorada Renfe Card, you can buy whatever you need and get flexible payment terms. Select the payment method you want and change it at any time.
- Total payment: pay your monthly credit card bill on the 21st of the same month or the 5th of the following month.
- Deferred revolving payment: pay a fixed amount of the bill on the 21st of each month, with interest. You can also do so on the 5th of the following month, although you will have to pay interest on the amount until the payment date.
You have access to more than 4,500 ATMs throughout Spain.
The Dorada Renfe Card lets you save on train tickets:
See the Renfe website for more information.
And, you'll feel more protected when you travel:
The Dorada Renfe Card also offers the following additional benefits:
You can set up limits for using your card to give you better control over your expenses by setting a daily ATM cash withdrawal limit or placing limits on your purchases at physical or online stores.
Any time you pay with your Dorada Renfe Card or withdraw money at an ATM, we'll send you a notification through the BBVA app so you can review your daily expenses and make sure it's you who is using the card.
If you ever need to, you will be able to temporarily block your card, or cancel it completely, by simply going into the BBVA app or at BBVA.es.
If you're robbed at an ATM, the insurance on the Dorada Renfe Card will cover up to €600 per event, up to a maximum of €1,200 per card per year.
The Dorada Renfe card has an issue and maintenance fee of €43, but if you have your paycheck (€800 minimum) or pension (€300 minimum) direct deposited, the fee is only €6.
You will not pay this fee if you finance a transaction over €50 or pay a monthly bill with the deferred payment method (Revolving), using this credit card and at least once a year.
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:
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 customised payment with interest:
You take out the Dorada Renfe 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:
Example of personalized payment with fee:
Below are some examples of customised payment methods with a fee over 3 to 6 months. The NIR is 0% in all cases.
You take out the Dorada Renfe 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:
If you choose to defer it over 5 months, this is what you will have to pay:
If you choose to defer it over 4 months, this is what you will have to pay:
If you choose to defer it over 3 months, this is what you will have to pay:
This system applies only to each specific settlement for which it is requested.
With a deferred revolving payment, you can pay a fixed amount of your card bill each month. This payment method charges interest.
The monthly payment settlement date is the 20th of each month, but if you have chosen to pay the bill on the 5th and you opted for the deferred payment, you will have to pay interest from the settlement date until the payment date.
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 amount
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 a NIR of 21.60% and you choose to make a fixed monthly payment of €46.93, you would have to pay:
IMPORTANT: With the settlement system of the Renfe Dorada 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:
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 €38 on the 5th of each month, the total amount payable over 48 months, assuming an NIR of 21.60%, would be €2,136.11. The APR will be 23.86%.
Remember that if you decide to pay the bill on the 5th of the month, you will have to pay interest from the settlement date until the payment date.
