Repsol más Visa Crédito card

With the Repsol más Visa 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 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.

The Repsol más Visa Credit Card lets you save on fuel:

• 3-cent discount on the spot per liter of Efitec 95 Neotech, Diésel e+ Neotech and AutoGas.
  
• 5-cent discount on the spot per liter of Diésel Nexa 100% renewable, Efitec Nexa 100% renewable, Diésel e+10 and Efitec 98.
• Quarterly discount of 2 cents/liter if you refuel at least 250 liters during the quarter. Refunded by way of a fuel check to be used at Repsol Group gas stations within 3 months after its issue.
• No annual credit card issue and maintenance fee when you refuel at least 500 liters in a year. A fuel check is refunded, to be used in Repsol Group gas stations 3 months after its issue.

You will also get 5% off in stores and on lubricants, car washes and Blue+ of the Repsol Group, and other benefits, which you can check on the Repsol website.

With the Repsol más Visa Crédito card You will obtain a series of additional benefits:

• Get instant notifications and turn your cards off and on whenever you want. 

Whenever you pay or withdraw cash at an ATM with your Repsol Más Visa Credit Card, we will send you a notification via the BBVA app so you can review your daily spending and make sure that only you are 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.

• Set your own limits
  

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.

• Security at ATMs
  

If you're robbed at an ATM, the insurance of the Repsol Más Visa Credit Card will cover up to €600 per event, up to a maximum of €1,200 per card per year.

See insurance terms and conditions

• Accident insurance of up to €310,000

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 Repsol Más Visa 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). 
• Interest rate: 0% annual.
• Credit limit of €1,500. 

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 Repsol Más Visa 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.