Combo card

The Combo 1 card is issued with the end of month payment method and the Combo 2 card is issued with the Deferred Payment(“Revolving”) method. The payment methods associated with each card cannot be changed.

• End of month payment method

  With this payment method, purchases and withdrawals made before the end of the settlement period must be paid, without interest (0.00% A.P.R.), on the date stated in your card contract.

• Deferred Payment (“Revolving”) method

  With this method you defer repayment of the credit used by paying regular instalments which may consist of a fixed amount or a percentage of the debt each month. The minimum monthly instalment is 3% of the credit balance drawn with a minimum amount of €30.00.

  Provided you pay the minimum established in the contract (3.00% of the balance drawn with a minimum instalment of €30.00), you can choose the amount you want to pay and change it whenever you want.

  The agreed interest rate is applied to the principal drawn down. See "Annual nominal interest rate".

  The part of the monthly instalment used to repay the principal replenishes your credit limit, so it is basically like a loan that is renewed on each settlement.

No annual fee if you have a Salary, Pension or Non-Salary account, or if you use the Combo 2 Deferred Payment card. Otherwise the fee will be a maximum of €35 for the first holder and €25 for the beneficiaries.

• 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 withdrawals on credit, 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 there are enough funds in the linked current account.

(i) With the deferred payment (“Revolving”) method:

a) For purchases: 17.52% N.I.R. (19.00% A.P.R.); b) For cash withdrawals on credit at ATMs: 17.52% N.I.R. (19.00% A.P.R.); c) For the Smart Cash service that lets you transfer cash from your card to your current account: 17.52% N.I.R. (19.00% A.P.R.). This transaction will be paid along with all the other amounts drawn down and the economic conditions linked to your card payment method will be applied.

For example, assuming the contract remains in force for its entire duration and the parties fulfil their obligations under the agreed terms and conditions:

For purchases with the Deferred Payment (“Revolving”) method, cash withdrawals on credit at ATMs and transfers of cash to your Smart Cash current account:

If you draw down €1,500 on the first of the month and it is financed under the Deferred Payment (“Revolving”) method for 48 months, and provided that you do not use any more of the credit assigned to the card, with the fixed annual Nominal Interest Rate of 17.52% (A.P.R. 19.00%), you would pay a total amount of €2,096.88 (€1,500 for principal and €596.88 for interest) in 48 monthly instalments. The first 47 instalments would be €43.69 and the last €43.45, at the end of which you would have repaid the credit facility in full. Total cost €596,88. French repayment system.

This example would vary according to the instalment or percentage chosen.

(ii) In the End of Month Payment method: Without interest (0.00% A.P.R.).

(iii) Compra Smart payment method 17.52% N.I.R. (19.00% A.P.R.). This is a special payment method available within the general end of month payment method that lets you split purchases of €90 or more between three to 36 months, with a minimum monthly instalment of €30,00.

Example for a Compra Smart purchase of €6,000 made on the first day of the month with a repayment period of 36 months at 17.52% N.I.R, 19.00% A.P.R.: the first instalment, which only includes interest, will be €87.60, the next 34 instalments will be €220.16 each, and the final instalment will be €220.36. Total amount repayable: €7,793.40, of which €1,793.40 is interest. Total cost €1.793,40. French repayment system.

The Combo card includes accident insurance up to €500,000 as well as travel insurance.

Read the terms and conditions here: 

Accident insurance
Travel insurance

In compliance with current European legislation, we provide you with the pre-contractual information for the Combo Card (version available in Spanish, Catalan, Basque, Galician and Valencian) and the quarterly information on the fees and interest rates applied.

Card issued and financing offered by Bankinter Consumer Finance, E.F.C., S.A., a hybrid payment institution with a safeguard system consisting of the deposit of the funds in a separate current account opened at Bankinter, S.A., registered with Banco de España 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 ID Number A82650672.

The Combo card is two cards in one, so you can use the most suitable one at the time. When you receive the card you'll see one number on the front (Combo 1) and another one 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.

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

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 €50. The system will also ask for your PIN if your spending reaches 150 without entering it, for your safety.

To pay with Combo 2, insert the card into the terminal and select it on the screen.