Combo card

Whichever way you look at it, you’ll want it.

With the Combo card you get two cards in one, so you’ll always be able to choose the best payment method for your needs.

Two sides of the card, two ways to pay.

Paying for your purchases flexibly has never been easier.

Tarjeta Bankinter Combo

Two? One? Better still - two in one!

Two sides to the same card. Two forms of payment.

Two sides, two cards.

Combo 1 side

  • Use this side when you want to pay for your purchases at the end of the month.
Tarjeta de crédito para pagar poco a poco

Combo 2 side

  • Use this one when you prefer to pay for your purchases more comfortably, little by little.

Want to know how to pay with it?

It’s as easy as asking how you prefer to pay.

A card for everyday and everything else.

For large purchases, small purchases, always on hand.

With all the smart services

Smart services let you adapt your cards to your own pace and needs.
Servicio Smart Cash

Smart Cash

Need some extra liquidity in your account? With Smart Cash you can transfer funds from your Combo card to your current account.


Limit Management

Adapt your cards whenever and however you want. Increase the limit, reduce it, increase it again, transfer funds from your account to your card…

See Combo Card features Combo Card features

Issue and maintenance fee

No annual fee if you have a Payroll Account, Pension Account or if you use the Combo 2 deferred payment card. Otherwise the fee will be a maximum of €60 for the first holder and €50 for the beneficiaries.

Card limits

  • For purchases, the limit for Combo 1 and Combo 2 is a maximum of €6,000 per day and per month depending on the card's available limit.
  • For ATM credit withdrawals, the limit for Combo 1 and Combo 2 is €1,000 per day and up to a maximum of €6,000 per month, depending on the card's available limit.
  • For ATM debit withdrawals, the limit for Combo 1 and Combo 2 is €1,000 per day and up to a maximum of €18,000 per month, if you have enough funds in your linked current account.

Annual nominal interest rate in:

Annual nominal interest rate in: (i) the Deferred Payment method: a) in Purchases, b) Cash withdrawals on credit at ATMs and c) in Transfer from cash to current account: 17.52% (19% A.E.R.). Representative examples assuming that the contract will remain in force for its entire duration and that the Parties will fulfil their obligations under the agreed terms and conditions. For a disbursement of €6,000 made on the 1st of the month, fixed instalment, to be paid in 12 months, assuming that no further withdrawals take place within this period. Annual fixed nominal interest rate: 17.52% (19% A.E:R.), with 11 monthly instalments of €548.71 and a final instalment of €548.73. Total amount payable: €6,584.54. (ii) In the End of Month Payment method: interest-free. (iii) In the Smart Purchase Payment method 17.52% (19% A.E.R.). Minimum amount €90 and term between 3 and 36 months. For a Smart Purchase of €500, made on the 1st of the month, with a repayment term of 12 months and with a N.I.R. of 17.52%, A.E.R. 19%; the first instalment, which includes only interest, will be €7.30, and the other 11 instalments will be €45.73 each, with a final instalment of €45.680. Total amount owed: € 556.01. The A.E.R. can vary depending on the selected term.


The Combo card comes with an accident insurance policy of up to 500,000 euros plus a travel insurance policy.
Read about its terms and conditions here: 
Accident insurance
Travel assistance insurance

Information of interest

Pursuant to EU laws in force, the Standard European Consumer Credit Information (SECCI) associated with the Combo card is shown below.

Financing offered by Bankinter Consumer Finance,. E.F.C., S.A., registered with the Bank of Spain under number 8832, with registered office at , 12 Avda. de Bruselas, 28108 Alcobendas, Madrid, recorded in Volume 22,729, Folio 181, Sheet No. M-259543 of the Madrid Companies Register, and with tax identification number A82650672.


How does the Combo card work?

The Combo card has two cards in one, so you can use the one that suits you best at all times. When you receive the card you will see a card number on the front (Combo 1) and a different card number on the back (Combo 2).

  • You can use the Combo 1 card for all your day-to-day purchases and pay at the end of the month.
  • And you can use your Combo 2 card to pay for everything else as you like and at your own pace. Plus we give you 2% cashback on everything you buy with the Combo 2 card. The amount will be credited to your card account in January of the following year.

What is the expiry date of the Combo card?

The two cards have the same expiry date, which you will find on both sides of the card.

Do I have a single PIN for both sides or cards?

That's right, you have a unique PIN code to “authorise” purchases made with either of the two Combo cards.

Can I change my card PIN?

Yes. You can do this at any ATM that offers this option, and also at your branch.

I forgot my PIN. Can I retrieve it?

Yes. To do so, visit the website, go to the “Other operations” card menu and click on “Remember PIN”. If you prefer, you can also do it at your Bankinter branch.

What is the CODE (CVV)?

This is the bank card verification code, which is used to confirm that the card is in the possession by the person using it.

The Combo card has 2 CODEs, one for when you use Combo 1 and one for Combo 2. Both numbers are next to the card number.

How do I pay with the Combo card in stores?

  • When you place your card over a point of sale (POS) terminal, you will pay with the Combo 1 card. Remember you always need to enter your PIN for purchases over 20 euros. The system will also ask you to enter your PIN for every 3 transactions under 20 euros.
  • When you want to pay with the Combo 2, you must insert the card into the terminal and select it on the screen.

How do I use the Combo card to pay with my mobile phone?

If you register the Combo card on the Bankinter Wallet or on Apple Pay, you will have two images to identify Combo 1 or Combo 2 easily and decide which one to use for each purchase.

How can I take money out of an ATM?

When you insert the Combo card in the ATM it will ask you which card you want to use: the Combo 1 or Combo 2. It will also ask you if you want to do it by debit or credit.  Remember that Bankinter has the largest ATM network—over 14,000 ATMs distributed throughout Spain—to take out money for free1.

Can I pay with my card abroad?

Yes of course, you can pay with your Combo card abroad, just as you would do in Spain.

Can I take out money abroad?

Yes. You can use the Combo card to take out money from any ATM but bear in mind that you will have to pay a fee (as you would with other cards).

What do I need to make secure online purchases?

Internet purchases will be made as usual, entering the PAN or card number. All you have to do is choose which card to use: the Combo 1 or Combo 2 card.

What is my card limit?

This is the maximum amount of purchases or cash withdrawals at ATMs that you can make with your card in the period of one month. Each Combo has a different limit associated with it.

My card has been lost or stolen. What should I do?

The most important thing is to block your card. To do so, go to the “Other operations” card menu on the website and in our app and use the “Block card” option or call Telephone Banking (902 365 563 or 34 91657 8869 if you are calling from abroad). You can also do this at your branch. If you think your card has been stolen, don't forget to report it. Once your card has been blocked, you will not be able to use either of the two Combo cards because both will be automatically blocked.

Bankinter has the solution

We’re here to answer your banking queries and provide you with technical support.

More information
902 365 563
ATMs and branches