Unicaja Cards
Simplicity and security for your purchases
We have designed our cards with people like you in mind to ensure your purchases are as easy and secure as possible.
The cards our customers appreciate most
Unicaja Mastercard debit card
A simple and secure card. Use it to pay for all your purchases, either at physical or on online stores. You can also use it at more than 14,000 ATMs to withdraw cash from your account free of charge¹.
In addition, our card gives you access to instant discounts with the EURO 6000 Plus program.
Unicaja Premium Madridista Card
Have the Premium Madridista subscription on the same card you use to make your purchases and benefit from all its advantages through a single gesture.
The Premium Madridista subscription can turn out to be free for you2! You can use it to make purchases online and at brick-and-mortar stores, as well as to withdraw cash from over 14,000 ATMs without any fees1.
Add it to your favourite wallet and always carry around your club's emblem with you wherever you make payments.
Unicaja Mastercard credit card
A unique card. Use your credit card3 for all your purchases, either at physical or on online stores in Spain or abroad.
You can also choose to pay for your purchases made with the card on a weekly or month-to-month basis, or to pay for your purchases in convenient instalments using the revolving4 payment method, which allows you to decide whether to pay back a percentage of your purchases or a fixed monthly amount.
Our card additionally comes with instant discounts with the EURO 6000 Plus program.
Find out about all our cards
Find out about a wide range of cards specially tailored to your needs and interests, such as the Mastercard Debit Card for young people or the Real Madrid Debit Card. They're wonderful.
If you wish to have flexibility when it comes to paying for your purchases, we have the credit cards you are looking for. Aside from the Mastercard Credit Card, there is the Mastercard Fit Credit Card, which allows you to plan your purchases in the short, medium or long term. We also offer the Real Madrid Credit Card especially meant for fans imbued with the Real Madrid spirit. Get your card.
You'll love our cards
Pay with your mobile phone
Add your card to your mobile phone to pay for your purchases conveniently.
View how to pay with a mobile phone
Purchase with discounts
Our cards come with the EURO 6000 Plus Benefits Programme. Pay less at leisure, fashion, restaurant and technology brands...
Query discountsYour card's security always comes first
Purchases that are always secure
Your card is equipped with Mastercard SecureCode technology to protect any payments you make on the Internet and an EMV chip that makes it difficult to copy the card fraudulently.
And in the event of theft or loss, you can temporarily deactivate the card with a single click through our Digital Banking service.
Frequently asked questions about Cards
Debit cards and credit cards are great ways of accessing your money, but they work differently. A debit card allows you to spend what you actually have in your bank account, while a credit card allows you to borrow money which you then have to pay back with interest.
The documents you need to submit may vary depending on the card you with to apply for. To apply for a Mastercard Debit or Credit Card, you have to submit documents like an official identity document, proof of residence, proof of income and an active bank account.
To apply for a card, you must at least meet the following requirements:
- Be of legal age;
- Have a proven source of income;
- Have a good credit record.
You may also be requested to meet some additional requirements depending on the card you are applying for.
You can apply for both a credit card and a debit card, regardless of whether you already have one of each kind. Each card has its own distinct features and functionalities, so they can be used in complementary ways.
Of course you can. You can link both your debit and credit card. Doing so is very easy. If your telephone is an iPhone, you can do it on the Wallet app. If it is an Android phone, you can do it on the Unicaja app or download the Google Pay app. Furthermore, if it is a Samsung phone, you can also do it on Samsung Pay. You can thus pay for your purchases without having to carry around the physical card with you. It is easy, secure and quick.
Yes, you can do so on the website and the Digital Banking app in the Cards section and, if you do not have an Internet connection, you can call us and request a statement of your bank account.
The small print in capital letters
(1) Conditions for debit card withdrawals from ATMs differ in each province (view map):
At all Unicaja ATMs (includes the Liberbank network) and from €120 at ATMs in the EURO 6000 network (EURO 6000 institutions included: Abanca, Novo Banco, Ibercaja, Kutxabank, Cajasur, Evo Banco, Cecabank, Caja de Ontinyent, Colonya Caixa Pollensa y Cardtronics), Banco Sabadell, Bankinter, Caja de Ingenieros, Arquia Banca and Euronet in the following provinces: La Coruña, Lugo, Orense, Pontevedra, Vizcaya, Guipúzcoa, Álava, Navarra, La Rioja, Burgos, Segovia, Guadalajara, Madrid, Zaragoza, Huesca, Teruel, Lleida, Barcelona, Girona, Tarragona, Castellón de la Plana, Baleares, Valencia, Alicante, Murcia,Granada, Córdoba, Badajoz, Santa Cruz de Tenerife, Las Palmas. And from €120 in ATMs from any network in the provinces of Huelva and Seville.
Terms and conditions valid until 31 December 2025.
(2) Any customer who joins the Madridista Community by signing up for a Unicaja Premium Madridista Card will not pay for the first year's annual fee. As for successive Premium Madridista annual fees, Unicaja Banco will deposit the Premium Madridista subscription amount (€35) into the customer's account, provided the cardholder reaches 35 points in this promotion. Each €100 spent on purchases generates one point. You will therefore have to make purchases amounting to €3,500 to reach 35 points. Refunds and cancellations are subtracted and transactions made at betting shops are not included. Points are accumulated on an annual basis and the accumulation period for points starts after each time the Premium Madridista annual subscription fee is charged. At the time of the refund, the cardholder must continue to be the holder of the Unicaja Premium Madridista Card and have the annual fee directly debited to the account associated to the aforementioned card contract. The refund will be made within the first 15 days of the month following that on which the annual fee is charged.
(3) Granting subject to the institution's criteria.
(4) 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.