BBVA Infinite Visa Card

With the BBVA Infinite Visa 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.

The BBVA Infinite Visa Card offers the following additional benefits:

• Extensive accident insurance, travel insurance and ATM robbery coverage.
• Cancellation insurance on all trips.
• Personal assistant to help you and provide information at any time by calling 900 108 586.

• Be the holder of an account at BBVA.
  
• The granting of a BBVA Infinite VISA Card is subject to approval by BBVA.

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 BBVA Infinite Visa Card with a limit of €3,000. 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 €31.96 and it only includes interest.
  
• The following 11 installments will be for €303.06 each.
• The total amount payable will be €3,365.62 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 €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 BBVA Infinite Visa Card with a limit of €3,000.  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 €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 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 €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 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 €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 payable will be €3,129 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 €105, which includes part of the principal and the deferral fee, which is 3.5% of the amount financed.
  
• The following 3 installments will be for €1,000 each and include only principal.
  
• The total amount payable will be €3,105 and the APR will be 17.72%.
  

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.