Back

MASTERCARD BUSINESS CREDIT CARD

OPTIMISE THE PERFORMANCE OF YOUR BUSINESS WITH A CREDIT CARD

Are you a customer but still don't have login details?

With all the advantages of Mastercard    

Accepted worldwide and with all EURO 6000 Privilege discounts. (1)

Free the first year (2)   

Your credit card will be exempt from any issuance or maintenance fees in the first year. No maintenance fee as from the second year according to terms and conditions.(3)

Flexible payment methods    

Choose to pay at the end of the month, use deferred payment or pay by direct debit from your account.

Free insurance with the card (4)    

Your Mastercard Business card comes with travel and accident insurance, free of charge.

tarjeta_mastercard_credito_ebusiness_02

AN EFFICIENT AND PROFITABLE MANAGEMENT TOOL FOR YOUR BUSINESS

Improve the control of your professional payments

A credit card that also allows you to charge your representation expenses, travel costs or any other expenses derived from your daily business activity.

Your accounts, always straightforward

Unicaja Banco provides you with a detailed statement of all the transactions carried out with the card.

Useful for withdrawing cash from an extensive network of branches and ATMs*

With the Mastercard Business Card you will have cash available through ATMs and bank branches wherever you need it.

Easy to deactivate via Digital Banking

In the event of theft or loss, you can temporarily deactivate the card using our digital banking system in a single click.

Contractual process

To sign up for the Mastercard Business Credit Card, you can go to any Unicaja Banco branch, where we will be delighted to help you.

 

If you prefer, you can also apply for a Mastercard Business Credit Card by filling out an application form and indicating at which branch you'd like it to be processed. We will contact you shortly.

 

Remember that if you have any questions or queries, you can call our customer service team on: +34 952 07 62 24.

Conditions

MAIN FEES

 

Maintenance fee: €44.00 per year. Exempt from the payment of the maintenance fee if you spend more than €3,600 on purchases and/or mobile top-ups within an annual period (monthly average  of €300). Cancelled operations and returns do not count. Or, if you are a holder of the Fee-Free Plan, Fee-Free Plan for Business or Fee-Free Plan for the Self-Employed and you meet the established requirements.

 

Fee for debit cash withdrawals made with cards from ATMs:

 

€0 fee for any withdrawals made with your Mastercard Business Credit Card from ATMs belonging to Unicaja Banco, S.A.

 

100% of what the owner of the ATM charges Unicaja Banco for that withdrawal. In other words, for cash withdrawals with the Mastercard Business Credit card made by the customer at the ATMs of other banks in Spain (not Unicaja Banco), the Euro Area, Sweden and Romania, Unicaja Banco will pass the amount that these banks charge on to the customer. Please note that at the time of making the withdrawal you should see information on the screen giving the amount that the bank owning the ATM will charge Unicaja Banco for the withdrawal, and that we can pass on to you. In any case, you can check the areas in Spain where, to make up for the fact that we do not have an extensive ATM network in these provinces, we do not charge you for the first three cash withdrawals with your debit card. See where you can withdraw cash for free in Spain, here.

 

4.00% (minimum €3.50) of the amount withdrawn in other countries. We'll charge this fee for debit cash withdrawals from ATMs made with a Mastercard Business Credit Card outside the Euro Zone, Sweden or Romania.

 

Fee for credit cash withdrawals made with cards from ATMs:

 

4.00% (minimum €3.50) of the amount withdrawn in transactions made at ATMs belonging to Unicaja Banco, S.A.

 

4.00% (minimum €3.50) plus 100% of what the owner of the ATM charges Unicaja Banco for that withdrawal. In other words, you will be charged a fee of 4.00% (minimum €3.50) of the amount withdrawn and we will also pass on the amount that the bank that owns the ATM you are using to withdraw money charges us for using their ATM in other banks in Spain (not Unicaja Banco), the Euro Area, Sweden and Romania.

 

5.00% (minimum €5.00) in other countries. In other words, you will be charged a fee of 5.00% (with a minimum of €5.00) of the amount withdrawn in banks that are not in the Euro Area or in  Sweden or Romania.

 

Fee for transactions in currencies other than the euro: 3%This fee will be applied to the amount resulting from the equivalent in euro of all the transactions in foreign currencies (purchases and cash withdrawals) performed with the card in accordance with the exchange rate obtained by the Payment Systems on the date of the corresponding settlement.

 

INTEREST RATE

 

In deferred payment mode the transactions (purchases, cash withdrawals, etc.) performed using the Mastercard Business Credit card will be added up and you can repay a fixed amount of the credit drawn, which will be settled and paid on a monthly basis every 1st of the calendar month until the full payment of the amount of the transactions performed in this payment has been made. The drawn balance will be charged an annual nominal interest rate (NIR) of 19.00%.

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 Business Credit Card for a purchase of €1,500 made at a Spanish store on the first day of the current month and repaid 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.  NIR: 19.00%, AER: 20.74%.
  • For a credit drawdown using a Mastercard Business Credit Card for a purchase of €1,500 made at a Spanish store on the first day of the current month and repaid 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.  NIR: 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.

related products and services

ico_sin_comisiones

Digital Banking

Access your Unicaja Banco accounts and products from your computer. The perfect tool to help you manage your daily finances.

ico_banca_movil

Mobile Banking

Immediate access to your Unicaja Banco accounts and products. Consult and start banking, wherever you are.

Can we help you?

Leave your number and we will get in touch with you.

Other means of contacting us.

ATMs and Branches
Fill in the form

you may also be interested in

Digital Banking

Digital Banking

Make everyday life more comfortable with our Digital Banking system, accessible 24 hours a day, every day of the year.

see Digital Banking
Point of Sale

Point of Sale

Provides you with the option of taking card payments in your establishment and mitigates the risks associated with handling large amounts of cash.

See Point of Sale
ATM Service

ATM Service

You may use Unicaja ATMs to perform the most usual operations without having to enter the branch.

see ATMs service

For Unicaja Banco S.A., the holder of the web page, it is important to adapt to your tastes and preferences, for which we use own and third-party cookies, that gather connection data that may be linked to your registration user name, the purpose of which is to measure traffic and user interaction with the web page, to help to improve operation of the web content, as well as the services and products offered, preparing behaviour profiles, while always protecting your privacy. You may transparently choose the configuration that suits you best, without that causing any change in your usual operations.