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No fees in the first year

Has no issuance or maintenance fees in the first year. As from the second year, free from maintenance fee according to terms and conditions.

View Terms and Conditions
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You choose how to pay for your purchases

Choose the payment method that best suits you: weekly, at the end of the month or using the deferred (revolving) payment method.

Simplicity, soundness and peace of mind

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YOU'LL ALWAYS HAVE MONEY AT HAND

We grant you credit to purchase items, withdraw cash or transfer your card's credit to your account whenever you want anywhere in the world. And we charge it to your account according to the payment method you have chosen.

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PRIVILEGES AND DISCOUNTS

Your card comes with the EURO 6000 Plus program, which allow you to benefit from discounts at leisure, fashion, restaurant, technology brands...

Query discounts.

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FREE TRAVEL INSURANCE

The Mastercard Credit Card includes free travel assistance and accident insurance2.  You can also count on having the peace of mind provided by contactless technology and an EMV chip to prevent fraudulent copies.

You choose your Mastercard credit card's payment method

 

How can I pay for my purchases?

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WEEKLY PAYMENT

Any purchases you make from Monday to Sunday will be charged to your account the following Monday. Your credit will therefore be available once more every week.

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END-OF-MONTH PAYMENT

All the purchases you make during the month are charged on the first day of the following month. You can therefore keep within your monthly budget.

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DEFERRED PAYMENT

The revolving payment method³ enables you to pay for your purchases in convenient instalments, allowing you to decide whether to pay back a percentage of your purchases or a fixed amount on a monthly basis.

Further information

Apply for your Mastercard Credit Card

In order to subscribe a Mastercard Credit Card, you can go to any Unicaja branch or request further information using the form.

Further information

Can we help you?

Hours: Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except holidays).

Terms and Conditions of the Mastercard Credit Card

Main Mastercard Credit Card fees

 

Annual Mastercard Credit Card maintenance fee: €44.00. You don't have to pay this fee if you make 60 shop purchases and/or mobile phone reloads with the Mastercard Credit Card in a year (monthly average of five transactions). Cancelled transactions or reimbursements do not count. This is also the case if you have joined the Zero-Fee Plan and meet the requirements laid down. Consult the terms of the Zero-Fee Plan.

 

Debit cash withdrawal fee from ATMs with a Mastercard Credit Card:

  • €0 fee for any withdrawals made with your Mastercard Credit Card from ATMs belonging to Unicaja Banco, S.A.
  • 100% of whatever the owner of the ATM charges Unicaja for the withdrawal. In other words, Unicaja will pass on the amount institutions charge Unicaja for any debit cash withdrawals you make with a Mastercard Credit Card from ATMs belonging to other institutions from Spain (other than Unicaja), the Euro Zone, Sweden and Romania. We inform you that the amount the institution which owns the ATM you are withdrawing cash from will charge Unicaja should be displayed on screen when you are making the withdrawal. We can pass on said amount to you. In any case, find out where you can make free debit cash withdrawals from ATMs in Spain with a card here.
  • 4.00% (minimum charge of €3.50) of the amount withdrawn in other countries. We'll charge this fee for debit cash withdrawals from ATMs with the Mastercard Credit Card outside Spain, the Euro Zone, Sweden or Romania.

 

Credit cash withdrawal fee from ATMs with a Mastercard Credit Card:

  • 4,00 % (minimum charge of €3.50), of the amount withdrawn in transactions made at ATMs belonging to Unicaja Banco, S.A.
  • 4.00% (minimum charge of €3.50) plus 100% of whatever the owner of the ATM charges Unicaja for the withdrawal. In other words, a 4.00% fee will be charged (with a minimum charge of €3.50) of the amount withdrawn along with the amount the institution that owns the ATM where the withdrawal is being made charges us for the use of its ATM in Spain (other than Unicaja), the Euro Zone, Sweden and Romania.
  • 5,00 % (minimum charge of €5.00) in all other countries. In other words, a 5.00% fee will be charged (with a minimum charge of €5.00) of the amount withdrawn at institutions that are not in the Eurozone, Sweden or Romania.

 

Fee for foreign currency transactions other than the euro: 3%. This fee will be applied to the resulting euro countervalue amount of all foreign currency transactions (purchases and cash withdrawals) made with the card according to the exchange rate obtained by the payment systems on the date when the relevant settlement is made.

 

Mastercard Credit Card interest rate3


(1) Granting subject to the institution's criteria.

(2) Collective policy taken out with Compañía Aseguradora Caja de Seguros Reunidos, Compañía de Seguros y Reaseguros, S.A. CASER through SEGURANDALUS MEDIACIÓN, CORREDURÍA DE SEGUROS, S.A. (Sociedad Unipersonal). VAT Reg. No.: A-48484232. DGS Code: J-01215. Third-party liability and necessary financial capacity insurance taken out pursuant to Royal Decree-Law 3/2020 on Insurance Policy Marketing. Free insurance applies to the holder of the FIT Mastercard Card. Collective policy renewed by calendar years at the institution's discretion.


(3) Mastercard Credit Card interest rate:

 

In the deferred (revolving) payment method any transactions made with the Mastercard Credit Card will be accumulated (purchases, cash withdrawals, etc.) and a fixed amount of the credit drawn down may be repaid, which will be settled and repaid monthly on the first day of each calendar month until the amount of the transactions made under this payment method has been fully repaid. Different typical examples of the AER are shown below, which are calculated for cases where no additional credit drawdowns other than the ones indicated are made and the instalment is not changed, using the French amortisation method (constant periodic instalments which include capital and interest) over 48 months:

  • For a credit drawdown using a Mastercard Credit Card for a purchase of €1,500 made at a Spanish store on the first day of the current month and amortised in 47 monthly instalments amounting to €44.83 and a final monthly instalment of €44.56. Total amount owed: €2,151.57, of which €651.57 are interest (if you are exempted from paying the credit card's annual maintenance fee). Total cost of credit: €651.57.  APR: 19.00%. AER: 20.74%.
  • For a credit drawdown using a Mastercard Credit Card for a purchase of €1,500 made at a Spanish store on the first day of the current month and amortised in 47 monthly instalments amounting to €44.83 and a final monthly instalment of €44.56. Total amount owed: €2,327.57, of which €651.57 are interest. The card maintenance fee of €44 is paid annually through a single payment at the beginning of each yearly period. Due to the existence of this fee, the AER varies depending on the amount and term. Total cost of credit: €827.57.  APR: 19.00%. AER: 27.00%.

The monthly capital repayment amount may never be less than €20. The minimum monthly instalment to be paid will therefore be €20 plus any interest accrued and fees due in the period.

Can we help you?

 900 151 948

Also at 952 076 263 or through the contact form.

Our telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).

We also put other contact methods at your disposal:

ATMs and offices
Help and contact

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