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Combo Debit+ card

Now or never? Better now or later!

A card with two sides allowing you can choose how you want to pay, depending on the type of purchase and your situation:

  • You can pay now: by debit
  • You can pay later: spread over 4 months

Two sides, two payment methods

Cara Ahora de la Tarjeta Combo Débito+ de Bankinter

One side: Ahora card

  • Use the Ahora side when you want to charge your purchases to your account immediately, just like a normal debit card
Cara Luego de la Tarjeta Combo Débito+ de Bankinter

The other side: Luego card

  • Use the Luego side when you want to automatically spread your purchases over 4 months and ... that's it! With a flat rate, no percentages and no complicated calculations

Forget about never

Use the Luego side to pay for your purchases comfortably with a clear, rock-bottom flat fee. Because for next to nothing you can spread the payment of the purchases you choose into four instalments plus an in initial one in which you only pay the first fee.

So you always know how much you are paying and when you will finish paying.

  • For purchases between €120 and €349.99 you pay a fee of just €1.5/month plus(min. 6.18% APR; max. 19.02%).1
  • For purchases between €350 and €599.99 you pay a fee of just €4/month plus(min. 9.77% APR; max. 17.27%).1
  • For purchases between €600 and €999.99 you pay a fee of just €7/month plus(min. 10.28% APR; max. 17.66%).1
  • For purchase over €1,000 you pay a fee of just €12/month plus(min. 5.76% APR); max. 18.20%).1

It's as easy as using any other card.

When you are paying, you just have to decide how you want to pay: by debit or spread over 4 months

At the POS

If you want to pay by debit with your Ahora card, tap the POS with your card to activate contactless payment. And if you want to pay over four months with the Luego card, insert your card into the terminal

Mobile payments

You can use both cards with Apple Pay, Samsung Pay, Google Pay and Bankinter Wallet. There is an icon for each of the cards. You select the one you want to use: your Ahora card or your Luego card.

In ATMs1

You can also choose the card you want to use to withdraw money at ATMs. With the Ahora card you withdraw by debit while Luego card withdrawals are charged to your account at the end of the month, just like any credit card

And as complete as any Bankinter card.

Two statements

We provide two statements so that you can organise yourself and always be clear about your finances: one for your Ahora card and another for your Luego card.

More than 17,000 ATMs2

You can withdraw cash by debit from more than 17,000 ATMs, at no charge: all Bankinter ATMs and the ATMs of the associated banks.
Find branches and atms

Privileges programme

A programme offering you discounts in hundreds of fashion, home, technology, sports, food delivery and other businesses ...
Find out more about privileges programme

And with all our Smart services.

The services that make your cards much more than a payment method.
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.

FIND OUT MORE about smart cash

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…
FIND OUT MORE about smart services

See Combo Débito+ card terms and conditions Combo Débito+ card terms and conditions

Issue and maintenance fee

The fee is €25 per holder.

Limit on withdrawals

Combo Ahora Débito: The monthly limit depends on the available balance in the current account linked to the card.

  • For purchases: the daily limit is €900 and the monthly limit is €3,000.
  • For ATMs: the daily limit is €1.000 and the monthly limit is €3,000.

Combo Luego Crédito:

  • For purchases: The limit for purchases is a maximum of €3,000 per day and per month, depending on the available card balance.
  • For credit withdrawals from ATMs: The daily limit is €1,000 and the monthly limit is €3,000, depending on the available card balance.
  • For debit withdrawals from ATMs: The daily limit is €1,000 and the monthly limit is €18,000, if you have sufficient funds in the linked current account.

Annual nominal interest rate in

Payment methods: The Holder must pay their credit card balance to Bankinter Consumer Finance in accordance with the applicable form of payment in each case, as follows:

1Compra Smart: 0.00% NIR. Interest-free. For purchases between €120 and €3,000, minimum 5.76% APR and maximum 19.02% APR. The APR may vary depending on the amount, the payment period applied and the payment date.

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

Repayments for a Compra Smart purchase made on 1 January 2021 and spread over five months will be as follows:

  • If the purchase amount is €120: a fee of €1.50 per month (19.02% APR); first payment on 31 January 2021 of €1.50, which includes the fee for the first month only, three instalments of €31.50 and a final instalment of €30. Total repayment amount €126. Total cost €6. French repayment system.
  • If the purchase amount is €349.99: a fee of €1.50 per month (6.18% APR); first payment on 31 January 2021 of €1.50, which includes the fee for the first month only, three instalments of €89 and a final instalment of €87.50. Total repayment amount €356. Total cost €6. French repayment system.
  • If the purchase amount is €350: a fee of €4 per month (17.27% APR); first payment on 31 January 2021 of €4, which includes the fee for the first month only, three instalments of €91.50 and a final instalment of €87.50. Total repayment amount €366. Total cost €16. French repayment system.
  • If the purchase amount is €599.99: a fee of €4 per month (9.77% APR); first payment on 31 January 2021 of €4, which includes the fee for the first month only, three instalments of €154 and a final instalment of €150. Total repayment amount €616. Total cost €16. French repayment system.
  • If the purchase amount is €600: a fee of €7 per month (17.66% APR); first payment on 31 January 2021 of €7, which includes the fee for the first month only, three instalments of €157 and a final instalment of €150. Total repayment amount €628. Total cost €28. French repayment system.
  • If the purchase amount is €999.99: a fee of €7 per month (10.28% APR); first payment on 31 January 2021 of €7, which includes the fee for the first month only, three instalments of €257 and a final instalment of €250. Total repayment amount €1.028. Total cost €28. French repayment system.
  • If the purchase amount is €1,000: a fee of €12 per month (18.20% APR); first payment on 31 January 2021 of €12, which includes the fee for the first month only, three instalments of €262 and a final instalment of €250. Total repayment amount €1.048. Total cost €48. French repayment system.
  • If the purchase amount is €3,000: a fee of €12 per month (5.76% APR); first payment on 31 January 2021 of €12, which includes the fee for the first month only, three instalments of €762 and a final instalment of €750. Total repayment amount €3.048. Total cost €48. French repayment system.

Important information

We provide the European Standardised Information Sheet (ESIS) and quarterly information on the fees and rates applied, in compliance with current European legislation.
Card issued and financing offered by Bankinter Consumer Finance, E.F.C., S.A., a hybrid payment entity 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.

See FAQs FAQs

What should we look out for when applying for a revolving card?

Banks often offer credit cards with either the end of the month payment and the revolving“”payment method, and customers can choose how to repay the amounts they have spent.

When applying for one of these cards or choosing the payment method, you should pay attention to the explanations and warnings about the product, the interest rate (N.I.R.), the Annual Equivalent Rate (A.E.R), the chosen repayment instalment, and the applicable fees and expenses, if any. You should "shop around", comparing offers and read the pre-contractual information carefully (especially what would happen if you fail to pay) before signing anything. That way you can be sure you will have made a rational and prudent decision.

These cards are adapted to each customer's needs, granting customers considerable flexibility in payment, but customers should make sure they use their cards responsibly. The revolving and minimum payment methods, for instance, are really only intended to be used in temporary situations where customers are short of funds“”. This means you pay the amount drawn over a very long period of time. The repayment will only include a small part of the amount outstanding and higher interest.

What is the CVV?

Credit and debit cards use a cryptographic configuration commonly known as CSC (Card Security Code), CVV, (Card Verification Value), CW2, CVC2 or a CID number to provide maximum security for online payments and cut down on fraud. It is used to confirm that the person using the card has it in his possession.

This security code consists of 3 or 4 numbers, and can be found on the back of VISA or MasterCard or on the main side of American Express cards.

This security code provides added value for this payment method. You usually need It when you shop in online stores, instead of using your PIN. PIN numbers are reserved for transactions in physical stores and ATMs.

This code is secure as it is printed on the card and is not encrypted on the metallic strip or NFC (contactless) chip. This means it cannot be read or scanned by a device to replicate the data.

What is the PIN?

PIN is an acronym for Personal Identification Number“”“”.

The bank or financial institution assigns you a PIN when you receive your card for the first time. The PIN is usually 4 digits and you can change it at any time to a number of your choice that is easy to remember. If you forget your PIN number, you can see it on our website or in the menu of your card, under the "Consult/Remember PIN" section. If you want to change the PIN number, you can do so at an ATM which has that service or at your branch.

 In the case of the Combo, the PIN is the same for both cards.

What does contactless mean?

A contactless card is one that you just need to place near the terminal, not inside it. Also, you always need to use your PIN for purchases over 50 euros. The system will ask you to enter your PIN for every 3 transactions of less than 20 euros. You also need your PIN to take money out of ATMs.

How long will it take to get the card to arrive at my address?

You will receive your cards no later than fifteen days after you apply for them through any of our channels (web, app, telephone banking or office), although you can use our Instant Card service to activate the requested card from our web or app and add it to any X-pay (Apple Pay, Google Pay and Samsung Pay) so that you can use it from then on.

Can I register my card on a mobile payment platform?

Yes, all our cards can be added to x-pay, Apple Pay, Google Pay and Samsung Pay. Find out more at https://www.bankinter.com/banca/cuentas-tarjetas/tarjetas/pagar-con-el-movil

My card is about to expire. How can I get a new one?

All cards are issued with an expiry date. At least 30 days before that date, we will send you a new one to your home address, so you can always use this payment system.

How do I activate my card?

It is very simple process. You can activate your card through the App from your mobile or Tablet, from your computer at Bankinter.com, by calling Telephone Banking on 91 657 88 00, at any Bankinter branch or at our ATMs.

When will the bill be debited from my bank account?

It will be debited between the first and fifth day of each month.

Can I exceed the credit limit associated with the card?

Yes, if you spend over the card limit assigned to your card, you will be charged a €20 overlimit fee“”.

What payment methods do our cards have?

Credit cards have the following payment methods:

Interest-free payment in full

With this payment model, all your purchases in a month are charged to your account, in a single payment, at the beginning of the following month or in the period defined by the financial institution.

This payment method has one great advantage: everything you spend, you pay the next month without interest or fees. 0.00% APR. And your credit limit becomes automatically available once your payments have been charged to your account, so you can use it for new payments or purchases.

Fixed monthly Instalment payments

Under this payment method, you can choose a fixed amount you want to pay per month, for example €30, €50, etc. The amounts will be charged monthly to the current account you choose until you have finished paying your drawn balance (both the capital and interest). The big difference compared to other payment methods is that the debt can continue to increase if you keep using the card, but you still pay the same amount every month. However, if you don't use your available credit and carry on paying the same amount, your debt will decrease.

The chosen instalment will be applied with a minimum amount. Where the chosen fee is less than the minimum amount, the instalment to be paid will be the minimum amount established by the bank or financial institution.

Payment in instalments as a percentage of the debt

With this payment method, you choose the percentage of the balance on the card you want to pay each month. The instalments are charged every month until you have paid off the balance you have used, including repayment of principal and interest.

For example, you could pay only 10% of the balance drawn. Under this system, the instalments reduce as the outstanding balance decreases. Remember that if you keep on using your available credit, the repayment instalments will increase in proportion.

The chosen percentage will be applied with a minimum amount. Where the chosen percentage is less than the minimum amount, the instalment to be paid will be the minimum amount established by the bank or financial institution.

Payment in instalments over specific periods

Under this payment method, you choose a specific period to repay the money spent. The monthly instalments are calculated by dividing the amount of your purchases, plus interest, by the number of months into which you have decided to divide the payment.

It is very common to spread purchases over 3, 6 or 12 months, for example. As this is deferred payment, the shorter the period, the larger the instalments. And the longer the term, the smaller the instalments, but the more interest you pay.

Spreading one-off purchases

This is a payment method that is being used more and more in supermarkets, household appliance shops and large distribution channels. It also has a Financing Service, which you can use to pay for one or more purchases within a specific period of time, usually between 3 and 36 months, with a minimum amount (to be determined by each bank or financial institution). The idea is for customers to be able to pay one or several one-off purchases while maintaining the end of month payment system.

Calculation of the monthly amount in deferred payment (revolving)“”

Payment of a €400 instalment: Imagine you buy something for €1500 euros and you want to finance it under the deferred payment method. You choose to pay €400. In this case, and provided you don't spend any more money with the card, with the fixed nominal annual interest rate of 17.52% (A.P.R. 19.00%), you would pay a total amount of €1,554.15 (€1,500 of principal and €54.15 in interest), in 4 monthly instalments. The first instalment would be €400 (€378.10 euros of principal and €21.90 in interest), and the last one would be €354.15 (€349.06 of principal and €5.10 in interest), after which you would have repaid the borrowed amount.

Payment of a €30 instalment: Imagine you buy something for €1500 and you want to finance it under the deferred payment method. You choose to pay €30 (minimum 3% of the drawn balance). In this case, and provided you don't spend any more money with the card, with the fixed nominal annual interest rate of 17.52% (A.P.R. 19.00%), you would pay a total amount of €2,354.20 (€1,500 of principal and €854.20 in interest), in 73 monthly instalments. The first instalment would be €45.00 (€23.10 of principal and €21.90 in interest), and the last one would be €3.92 (€3.87 of principal and €0.06 in interest), after which you would have repaid the borrowed amount.

Payment of a €100 instalment: Imagine you buy something for €1500 euros and you want to finance it under the deferred payment method. You choose to pay €100. In this case, and provided you don't spend any more money with the card, with the fixed nominal annual interest rate of 17.52% (A.P.R. 19.00%), you would pay a total amount of €1,705.38 (€1,500 of principal and €205.38 in interest), in 18 monthly instalments. The first instalment would be €100 (€78.10 of principal and €21.90 in interest), and the last one would be €5.38 (€5.30 of principal and €0.08 in interest), after which you would have repaid the borrowed amount.

Can I pay abroad?

Naturally, you can use all our cards to pay abroad, without a hitch. But there may be a fee for using international networks for purchases outside the eurozone.

Can I withdraw cash abroad?

Yes. You can 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 should I do if I lose my card or it is stolen?

The most important thing is to block use of 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 (91 657 88 69 or 34 34 578 869 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 this. Once your card has been blocked, you won't be able to use either of your Combo cards because both will be blocked, automatically.

Once your card is blocked, you can use our Immediate Card Service to request a new one using any of our channels. You can then add it to your mobile device's wallet and start using it immediately. There is no need to wait until you receive and activate the card. This service is also available for renewals, duplicates and new cards.

What's the expiry date of my Combo Debit+ card?

The expiry date is the same for both cards and is shown on both of them.

How do I pay with my Combo Debit+ card in stores?

  • You pay with the Ahora card, i.e. by debit, when you tap your card on a point of sale (POS) terminal. But remember you now need to enter your PIN for purchases over 50 euros. The system will also ask for your PIN if your spending reaches 150 euros or if you have paid three times without entering it, for your safety.
  • To pay with your Luego card, insert your card into the terminal and select it on the screen.