DUO CREDIT CARD

The Duo Credit card has two sides, each of which has a different payment method. The “End of month” side is issued with the end-of-month payment option, and the “Pay in 4 side” is issued with the deferred Pay in 4 instalments option. 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% APR), on the date stated in your card contract.

• Pay in 4

  This enables payment of the entire statement balance in four (4) instalments, provided the sum of the purchases (including cash transfers to your account using the Smart Cash service) is €120.00 or more.

  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 the customer's credit limit, so it is basically like a loan that is renewed on each settlement.

  If the spending is less than €120.00, this will be settled at the end of the month just as with the “End of month” side, with no interest (0.00% APR).

The maintenance fee for the “End of month” card is €35 per year for the main cardholder and €25 for each additional card. No issuance fees.

No maintenance fee will be charged for the “End of month” card if it is associated with a Salary Account, Pension Account, Non-salary Account, Business Account, Youth Salary Account or Tú y Yo Account. This fee will also not be charged if, at least once in the year immediately preceding its accrual, the holder has deferred or split the repayment of any amounts spent using the “End of month” card or the “Pay in 4” card using the pay in 4 instalments method.

The “Pay in 4” card has no issuance or maintenance fees.

• For purchases, the limit for the “End of month” side and the “Pay in 4”side is a maximum of €6,000 per day and per month depending on the available limit on the card.
• For withdrawals on credit, the limit for the “End of month” side is €1,000 per day and up to €6,000 per month, depending on the available limit on the card.
• For debit withdrawals of cash from ATMs, the limit for the “end of month” side is €1,000 per day and up to €18,000 per month, if there are sufficient funds in the linked current account.

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

1. “Pay in 4” side, provided the sum of the purchases (including cash transfers to accounts using the Smart Cash service) is €120 or more. 20.55% NIR. (22.60% APR):

Example for a €1,500 purchase with repayment over four months: NIR 20.55% and APR 22.60%. The first three instalments will be €391.19, and the final instalment will be €391.20. Total amount repayable: €1,564.77, of which €64.77 is interest. Total cost: 64,77€. French repayment system.

2. “End of month” side: interest-free. 0.00% APR.

3. “Plazox” (deferred payment in stores) service: 20.55% NIR. (22.60% APR). The Plazox service lets you defer purchases of €60 and over for 3, 6, 9 or 12 months, directly through the POS in the physical store and/or when making the payment through an online store.

This service is only available on the “End of month” side of the Duo Credit card.

Example for a purchase of €1,200 made on the first day of the month with a repayment period of 12 months, NIR 20.55% and APR 22.60%, with 11 monthly instalments of €111.48 and a final instalment of €111.45. Total amount repayable: €1,337.73, of which €137.73 is interest. Total cost: 137,73€. French repayment system.

4. Compra Smart service 20.55% NIR (22.60% APR).

This service is only available on the “End of month” side of the Duo Credit card. This is a service that lets you split one or more purchases of €90 or over between 3 and 36 months and with a minimum payment of 30€ per month.

Example for a Compra Smart purchase of €1,200 made on the first day of the month with a repayment period of 36 months at 20.55% NIR, 22.60% APR: the first instalment, which only includes interest, will be €20.55, the next 34 instalments will be €45.87 each, and the final instalment will be €45.67. Total amount repayable: €1,625.80, of which €425.80 is interest. Total cost €425,80. French repayment system.

5. Smart Cash Service

The Smart Cash service is available on both sides of the Duo Credit card.

• Smart Cash on the “End of month” side: the service includes a fee of 3% on the transferred amount, with a minimum of €3.

• Smart Cash on the “Pay in 4” side: there is no fee for this service, which is treated like any another purchase, subject to the following conditions:

  a) If the amount transferred to the account is €120 or more in itself, or, if it is less, the sum of the purchases with this side of the card (including Smart Cash) exceeds €120, 20.55% APR will be applied to the principal drawn. (22.60% APR).

  Example for a Compra Smart purchase of €1,200 made on the first day of the month with a repayment period of 36 months at 20.55% NIR, 22.60% APR: the first instalment, which only includes interest, will be €20.55, the next 34 instalments will be €45.87 each, and the final instalment will be €45.67. Total amount repayable: €1,625.80, of which €425.80 is interest. Total cost €425,80. French repayment system.

  b) If the amount transferred to the account is less than €120 and the sum including all other purchases with this side of the card (including Smart Cash) is less than €120, it will be charged to the account at the beginning of the following month, with no interest (0.00% APR).

The Duo Credit card includes free accident insurance of up to 500.000€ and travel assistance 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 Duo Credit card (available in Spanish, Catalan, Basque, Galician, Valencian, English and German) and quarterly information about 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 Duo Credit 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 (“End of month” side) and another on the back (“Pay in 4” side).

• You can use the “End of month” side for all your day-to-day spending and pay at the end of the month with no interest or fees (0% APR).
• With the “Pay in 4” side, you can pay for everything in four instalments, so everything is more relaxed.

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

When you present your card to a point of sale (POS) terminal, you pay with the “End of month” side. You always need to enter your PIN for purchases over 50 euros. For your security, if the amount reaches €150 without you entering your PIN, the system will ask you to enter it.

To pay with the “Pay in 4” side, insert the card into the terminal and select it on the screen.

Yes. You can use the “End of month” side to withdraw cash by debit from more than 17,000 cashpoints, with no fees: any Bankinter ATM or those of any the following companies: Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa, Banca March, Targo Bank, Euro Automatic Cash, Euronet and the entire Euro 6000 ATM network, CajaSur Banco, EVO Bank, CECABANK, Cashzone, Caixa Ontinyent, Colonya Caixa Pollença, ABANCA, Ibercaja, Kutxabank and Unicaja.