Quiero Card

If you want it, now is the time.
Enjoy!

tarjeta quiero bankinter

Want it? Pay however you want.

No fee

It won't cost you anything to own a Quiero card. You can have it and use it when it suits you.

An extra 2% at your disposal

The Quiero card gives you back 2% of the amount1 of all your deferred purchases, all of them.

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Free cash withdrawals

You'll be able to withdraw cash from your account without a fee2 from more than 14,000 ATMs: all Bankinter ATMs, all the ones in the EURO 6000 network, plus Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa, Banco Pastor, Targo Bank and Euro Automatic Cash ATMs.

Open our app to find your nearest free ATM.

Plus...

See Card terms and conditions Card terms and conditions

Quiero Card Terms and Conditions

  • Issuance and maintenance fee: No annual fee if you use your card under the deferred payment method. Otherwise, the annual fee is €30.
  • Limit on withdrawals: for withdrawals on credit, the limit on purchases is €6,000 per day and month; at ATMs it is €1,000 per day and € 6,000 per month. For debit withdrawals, if you have enough balance in your account, you can withdraw up to € 18,000 per month.
  • Nominal annual interest rate on card

    (i) Deferred payment method: a) on purchases: 22.80% NIR (25.34% APR) b) cash withdrawals on credit at ATMs and c) on cash transfers to your Smart Cash account: 24.00% NIR (26.82% APR).

    For example, 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.

    - a) Purchases with the deferred payment method:

    For a drawdown of 6,000 euros for a purchase made on the first day of the month with the deferred payment method, fixed instalments to be paid over 12 months and assuming there are no more drawdowns during this period. Annual fixed nominal interest rate: 22.80%, APR 25.34%, with 11 monthly instalments of 563.88 euros and a final instalment of 563.86 euros. Total amount payable: 6.766,54 euros.

    -b) Cash or Smart Cash withdrawal:

    For a cash or Smart Cash withdrawal of 6,000 euros made on the first day of the month with the deferred payment method, fixed instalments to be paid over 12 months and assuming there are no more drawdowns during the same period. Annual fixed nominal interest rate: 24.00%, APR 26.82%, with 11 monthly instalments of 567.36 euros and a final instalment of 567.32 euros. Total amount payable: 6.808,28 euros.

    (ii) End-of-month payment method: interest-free.

    (iii) Deferred payment in stores method: 22.80% NIR (25.34% APR). The deferred payment service in stores spreads the cost of a purchase over 3, 6, 9 or 12 months. The minimum purchase amount is €60 and the facility is set up directly at the store TPV.

    For a purchase of 6,000 euros made on the first day of the month with the deferred payment in stores method, fixed instalments to be paid over 12 months and assuming there are no more drawdowns during this period. Annual fixed nominal interest rate: 22.80%, APR 25.34%, with 11 monthly instalments of 563.88 euros and a final instalment of 563.86 euros. Total amount payable: 6.766,54 euros.

    (iv) Smart purchase payment method 2280% NIR (25.34% APR.)

    For a smart purchase of 6,000 euros made on the first day of the month with repayment over 12 months and 22.80% NIR, 25.34% APR, the first instalment, which only includes interest, will be 114 euros and the remaining 11 instalments will be 609.59 euros each. Total amount payable: 6,819.44 euros. The APR may vary depending on the selected term.

  • Insurance: The Quiero card includes accident insurance and free travel insurance. See the terms and conditions here: 
    Accident insurance(36 KB) 
    Travel insurance(36 KB)
  • Important information: Pursuant to prevailing EU legislation, the Standard European Consumer Credit Information (SECCI) associated with the Quiero card is provided below.

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

See FAQs FAQs

Can I change my deferred payment method?

Yes, you can change the deferred payment method whenever you want, using two options: a percentage or a fixed monthly amount.

Can I use the card to withdraw cash at ATMs?

Yes, you can withdraw cash on debit at over 14,000 ATMs1 without paying any kind of fee. You can also take out cash on credit according to the costs indicated in the conditions section.

Can I use the Quiero card abroad?

Yes, the Quiero card is a MasterCard accepted worldwide.

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