Combo Debit+ card

The Combo Ahora debit card is issued with the debit payment method and the Combo Luego credit card is issued with two payment methods, which are explained below. The payment methods associated with each card cannot be changed.

Combo Ahora debit card

This is a debit card linked to the holder's current account. Payments are charged to the account instantly, which means that with this card you can only access the funds in your current account at the time.

The Combo Luego credit card offers two payment methods:

• End of month payment

  With this method you can make payments or withdraw cash at ATMs up to the credit limit assigned to the card. At the end of the monthly settlement period, the total amount you have used with the card during that month is charged to your current account with interest (0.00% APR). This payment method is applied to purchases, cash withdrawals and Smart Cash transactions (transfer of cash from your card to your current account) of less than €120.

• Special instalment method (“Compra Smart”)¹

  With this method you can pay for purchases of €120 or more in five (5) monthly instalments. The first instalment will only consist of the fee.

The fee is €30 per holder.

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 €5.000 and the monthly limit is €10,000.
• 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.

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. Minimum APR 5.76% and maximum APR 19.02%. For purchases between €120 and €3,000 the APR may vary depending on the amount and the day the transaction is carried out.

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.

Combo Debit+ card: Accident insurance.

Combo Credit Card: accident and travel insurance.

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

• 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 without entering it, for your safety.
• To pay with your Luego card, insert your card into the terminal and select it on the screen.

Banks often offer credit cards with either the end of the month payment and the deferred payment (“Revolving”) 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 nominal interest rate (N.I.R.), the annual percentage rate (A.P.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 deferred (“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.

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.

The card's security code provides added value for this payment method. You usually need It when you shop in online store.

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.

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.

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 also ask for your PIN if your spending reaches 150 without entering it, for your safety. You also need your PIN to take money out of ATMs.

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.

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

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.

It's very simple. You can activate your card through the app on your mobile device, through Bankinter.com on your computer, by calling telephone banking on 91 657 88 00, at any Bankinter branch, or at our ATMs.

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

Yes, you can spend over the card limit but we'll charge you an over limit fee of €20.

Credit cards have the following payment methods:

Interest-free payment in full (0.00% APR)

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.

Payment of a €400 instalment: Imagine you buy something for €1500 euros and you want to finance it under the deferred payment method (“Revolving”). 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% (APR 19.00%), you would pay a total amount of €1,554.15, of which €54.15 refers to interest, in four monthly instalments. The first instalment would be €400 and the last €354.15, after which you would have repaid the credit facility in full. Total cost: 54,15€. French repayment system.

Payment of a €30 instalment: Imagine you buy something for €1500 and you want to finance it under the deferred payment method (“Revolving”). You choose to pay €30 (minimum 3% of the balance drawn). 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% (APR 19.00%), you would pay a total amount of €2,354.20, of which €854.20 refers to interest, in 73 monthly instalments. The first instalment would be €45.00 and the last €3.92, after which you would have repaid the credit facility in full. Total cost: 854,20€. French repayment system.

Payment of a €100 instalment: Imagine you buy something for €1.500 euros and you want to finance it under the deferred payment method (“Revolving”). 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% (APR 19.00%), you would pay a total amount of €1,705.38, of which €205.38 refers to interest, in 18 monthly instalments. The first instalment would be €100 and the last €5.38, after which you would have repaid the credit facility in full. Total cost: 205,38€. French repayment system.

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.

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).

The most important thing is to block use of your card. You can do this through our website or app by selecting “More transactions” in the card menu and then “Block card”, or by calling Telephone Banking on 91 657 88 00 or +34 916 578 800 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.