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 for deferred payment cards. Otherwise, the issue and maintenance fee is €30.
  • Drawdown limit: the spending limit for credit drawdowns is €6,000 per day and 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.
  • Quiero Card nominal annual interest rate:

    (i) Deferred payment method: a) on purchases: 17.52% NIR (19.00% APR), b) cash withdrawals on credit at ATMs and c) on cash transfers to your Smart Cash current account: 17.52% NIR (19.00% APR).

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

    - a) Purchases with the deferred payment method:

    For a drawdown of 1,500 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 the period. Annual fixed nominal interest rate: 17.52%, APR 19.00%, with 11 monthly instalments of 137.18 euros and a final instalment of 137.17 euros. Total amount payable: 1,646.15 euros.

    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 the period. Annual fixed nominal interest rate: 17.52%, APR 19.00%, with 11 monthly instalments of 548.71 euros and a final instalment of 548.73 euros. Total amount payable: 6,584.54 euros.

    -b) Cash or Smart Cash withdrawal:

    For a cash or Smart Cash withdrawal of 1,200 euros 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 period. Annual fixed nominal interest rate: 17.52%, APR 19.00%, with 11 monthly instalments of 109.74 euros and a final instalment of 109.77 euros. Total amount payable: 1,316.91 euros.

    For a cash or Smart Cash withdrawal of 6,000 euros 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 period. Annual fixed nominal interest rate: 17.52%, APR 19.00%, with 11 monthly instalments of 548.71 euros and a final instalment of 548.73 euros. Total amount payable: 6,584.54 euros.

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

    (iii) Deferred payment in stores method: 17.52% NIR (19.00% APR). The deferred payment in stores service allows purchases of at least €60 to be deferred over 3, 6, 9 and 12 months from the store's POS terminal. For a purchase of 1,200 euros 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%, APR 19.00%, with 11 monthly instalments of 109.74 euros and a final instalment of 109.77 euros. Total amount payable: 1,316.91 euros.

    For a purchase of 6,000 euros 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 the period. Annual fixed nominal interest rate: 17.52%, APR 19.00%, with 11 monthly instalments of 548.71 euros and a final instalment of 548.73 euros. Total amount payable: 6,584.54 euros. 

    (iv) Compra Smart purchase payment method 17.52% NIR (19.00% APR.)

    For a Compra Smart purchase of 1,200 euros on the first day of the month with a repayment period of 12 months and NIR 17.52%, APR 19.00%; the first instalment, which only includes interest, will be €17.52, and the other 10 instalments will be €118.88 each, with a final instalment of €118.86. Total repayment amount €1,325.18. The APR may vary depending on the term selected.

    For a Compra Smart purchase of 6,000 euros on the first day of the month with a repayment period of 12 months and NIR 17.52%, APR 19.00%; the first instalment, which only includes interest, will be €87.60, and the other 10 instalments will be €594.39 each, with a final instalment of €594.39. Total amount payable: €6,625.89. The APR may vary depending on the term selected.

  • 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: the Standard European Consumer Credit Information (SECCI) associated with the Quiero Card is provided below, under prevailing EU 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

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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