Quiero Card

The Quiero card is issued with the Deferred Payment (“Revolving”) method.

• 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.

  You can change the payment method after activating your card at any time as long as you notify us five (5) days before the end of the settlement month, through the Bankinter website or app, by calling Telephone Banking on 91 657 88 00 or by visiting a branch.

• 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.

No annual fee for deferred payment cards. Otherwise, the issue and maintenance fee is €35.

For credit withdrawals the limit on purchases is €6,000 per day and per month; at ATMs it is €1,000 per day and €6,000 per month. For debit withdrawals, you can withdraw up to €18,000 per month, if your account balance is sufficient.

(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 allows you to transfer cash from your card to your current account with a charge to your credit line: 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) Deferred payment method in stores: 17.52% N.I.R. (19.00% A.P.R.). The deferred payment service in stores lets you spreads the cost of a purchase over three, six, nine or 12 months at the store's POS terminal, with a minimum purchase amount of €60. For a purchase of €6,000 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: 17.52%, A.P.R. 19.00%, with 11 monthly instalments of €548.71 and a final instalment of €548.73. Total amount payable: € 6.584,54, of which €584,54 is interest. Total cost: 584,54€. French repayment system.

(iii) For the end of month payment method: interest-free. 0.00% A.P.R.

(iv) For the 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.

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 Quiero card comes with an accident insurance policy plus a travel insurance policy. Read the terms and conditions here: 

ACCIDENT INSURANCE (36 KB) 
TRAVEL INSURANCE (36 KB)

In compliance with current European legislation, we provide you with the pre-contractual information for the Quiero 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 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.

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

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.

Yes, the Quiero card is a MasterCard accepted worldwide. But remember, for purchases outside the eurozone there may be a fee for the use of international networks.