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    BBVA Employee Visa Platinum card

    A credit card that offers a limit of up to €30,000

    • More than 6,000 BBVA ATMs at your disposal.
    •  Accident insurance of up to €1,250,000.
    • Travel Assistance Insurance.

    Decide how to organize your spending every month

    • With the BBVA Employee Visa Platinum 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.

    Defer any purchase instantly

    • 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.

    With the advantages of being with BBVA

    • The BBVA Employee Visa Platinum Card also has other benefits:

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

      Whenever you pay or withdraw cash at an ATM, 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 deactivate your card, or cancel it completely, by simply going into the BBVA app or at BBVA.

      • Security at ATMs

      If you are robbed at an ATM, the insurance will cover up to €600 per event, up to a maximum of €1,200 per card per year.

      See insurance terms and conditions

      And with BBVA Mobile Pay, Google Pay, Samsung Wallet and Apple Pay

      You will be able to use your phone to pay in shops that accept contactless technology, in online stores and in apps, comfortably, securely and without having to enter your card details.

    Would you like more information?

    The BBVA Platinum card has an annual credit card issue and maintenance fee of €0 for the holder and €0 for other authorized users.

    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: 7.16% a year.
      • Credit limit: €1,500. 

      You take out the BBVA Employee Platinum Card with a limit of €1,500. That same day, for example, April 15, 2024, 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 €4.41 and it only includes interest.
      • The next 11 installments will be for €141.29 each.
      • The total amount payable will be €1,558.60 and the APR will be 7.35%.

      Example of personalized payment with fee:

      • Deferral fee: 1.40%, 1.70%, 2% or 2.25% of the amount financed, depending on the period chosen (3, 4, 5 or 6 months).
      • Interest rate: 0% yearly.
      • Credit limit €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 BBVA Employee Platinum Card with a limit of €1,500.  That same day, for example, April 15, 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 €33.75, which only includes the deferral fee, which is 2.25% of the amount financed.
      • The next 6 installments will be for €250 each.
      • The total amount payable will be €1,533.75 and the APR will be 7.02%.

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

      • The first payment will be for €30, which only includes the deferral fee, which is 2% of the amount financed.
      • The next 5 installments will be for €300 each. 
      • The total amount payable will be €1,530 and the APR will be 7.13%.

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

      • The first payment will be for €25.50, which only includes the deferral fee, which is 1.70% of the amount financed.
      • The next 4 installments will be for €375 each. 
      • The total amount payable will be €1,525.50 and the APR will be 7.05%.

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

      • The first payment will be for €21, which only includes the deferral fee, which is 1.40% of the amount financed.
      • The next 3 installments will be for €500 each. 
      • The total amount payable will be €1,521 and the APR will be 6.96%

      This system applies only to each specific settlement for which it is requested.

    What interest do deferred revolving payments have?

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    • Our approach is based on transparency, clarity and responsibility.
    Employee Visa Platinum Card
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