Make your day-to-day life more convenient with a Mastercard Credit Card
Many people apply for it and don't get it, you can1. Purchase what you need and choose the best way to repay it.
Capture, create and enjoy with an iPhone 17
Enter the draw for five iPhone 17s by applying for your Unicaja Mastercard Credit Card and signing up for the promo until 31 October 2026*.
With an extra €250, your routine goes a little smoother.
Pay for purchases costing at least €5 with your Mastercard Credit Card and get additional entries to win one of the twenty-five €250 prizes. You've got until October 31, 2026 to take part**.
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.
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.
Instant digital activation
Upon signing up, you can immediately use your digital card at brick-and-mortar stores, for online purchases, and at ATMs (via Apple Pay, Google Pay, or other wallets) without waiting for the physical card. Alternatively, you can choose to activate it once you receive it.
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.
Instant discounts
Your card comes with the EURO 6000 Plus program, which allow you to benefit from discounts at leisure, fashion, restaurant, technology brands...
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.
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.
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.
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.
Can we help you?
Hours: Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except holidays).
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 Plan 0,0 and meet the requirements laid down. Consult the terms of the Plan 0,0.
Debit cash withdrawal fee from ATMs with a Mastercard Credit Card:
Credit cash withdrawal fee from ATMs with a Mastercard Credit Card:
Fee for foreign currency transactions other than the euro: 3.95%. 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
You have two options:
Instant activation. If you chose instant activation at the time of signing up for the card, you can use it from that moment on to make online purchases, over-the-counter payments and cash withdrawals from ATMs. You just have to add it to the wallet of your choice. Once you receive the physical card, make a transaction that requires entering the PIN to complete its activation and enable its regular use.
Activation upon receipt. If you decided to wait for the physical card, you can activate it upon receipt either via Digital Banking or by performing a transaction that requires entering the PIN at a merchant or ATM. As long as you do not receive the card, it will not be possible to use it.
You can do it easily on your Digital Banking service. Select the card, go to the "Settings" section and then "Security Settings" and set the online purchases and transactions abroad options according to your preferences.
(*) In order to take part in the draw, you must register for the promotion and apply for a Unicaja credit card for private use. Customers who apply for a new credit card during the promotional period will get three entries when they apply. In addition, more entries can be added by making purchases equal to or greater than €5 with Unicaja credit cards for private use. One entry will be generated if the purchase is made with a credit card that is paid off on a weekly or monthly basis, two entries will be generated if it is made with a credit card using the deferred (revolving) or split payment method (any purchases that are deferred/split using the Defer Your Purchase service also count). Cancelled or returned purchases do not count. Promotion valid until October 31, 2026. Consult the rules here.
(**) In order to take part in the draw, you must register for the promotion and make purchases equal to or greater than €5 with Unicaja credit cards for private use. One entry will be generated if the purchase is made with a credit card that is paid off on a weekly or monthly basis, two entries will be generated if it is made with a credit card using the deferred (revolving) or split payment method (any purchases that are deferred/split using the Defer Your Purchase service also count). Cancelled or returned purchases do not count. Promotion valid until October 31, 2026. Consult the rules here.
(1) Granting subject to the institution's criteria.
(2) Collective policy taken out by UNICAJA MEDIACIÓN, S.L.U., a RELATED BANKING-INSURANCE OPERATOR, duly registered at the Special Administrative Registry of Insurance Intermediaries, Reinsurance Brokers and their Senior Executives kept by the Directorate-General of Insurance and Pension Funds under Registration No. OV-0010 and with VAT Registration Number B-92802271, acting through the distribution network of Unicaja Banco, S.A. Third-party liability insurance taken out in accordance with the Act 3/2020 of 4 February. Free insurance applies to the holder of the Visa Business Credit 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:
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?
You can also contact the Bank by calling at 952 60 67 67 or through the contact form.
The telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).
