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Easy, practical and safe
With Contactless technology and EMV chip for more security.
Free for the first year (1)
And also from the second year subject to conditions.(2)
Flexible payment methods
Pay for your purchases weekly, at the end of the month or in convenient installments.
The Mastercard Credit Card is exempt from maintenance fees if you carry out 60 transactions per year (an average of 5 transactions per month).
And transparent, since Unicaja Banco provides you with a detailed statement of all the transactions carried out with the card.
In the event of theft or loss, you can temporarily deactivate the card through our Digital Banking system with a simple click.
With the Mastercard Credit Card you will have cash available through ATMs and bank branches wherever you need it. See where you can make free withdrawals at ATMs.
To sign up for the Contactless Mastercard Credit Card, go to any Unicaja Banco branch where we will be delighted to assist you.
If you prefer, you can also apply for the Contactless Mastercard Credit Card by filling out an application form and indicating the branch where you'd like to process it. We will contact you shortly.
Annual maintenance fee: €39.00. You don't have to pay this fee if you make 60 purchases in shops and/or mobile top-ups in an annual period (monthly average of 5 purchases). Cancelled operations and returns do not count. Or if you are the holder of the Fee-Free Plan and you meet the established requirements.
Fee for withdrawing money from your account through ATMS (debit):
€0, for withdrawals in the ATMs of Unicaja Banco, S.A.
100% of what the owner of the ATM charges Unicaja for that withdrawal. In other words, for cash withdrawals with a 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 to you in full. Please note that at the time of making the withdrawal you should see information on the screen giving the amount that the bank that owns the ATM will charge Unicaja Banco for the withdrawal, and that we can pass on to you. In any case, you can consult areas in Spain where, to make up for the fact that we do not have an extensive ATM network in these provinces, we will not charge you for the first three cash withdrawals with your card. Discover here where you can make free cash withdrawals in Spain.
4.00% (minimum €3.50) in other countries. We will charge this price for cash withdrawals from ATMS outside Spain, the Euro Area, Sweden and Romania.
Fee for borrowing against the credit card:
4.00% (minimum €3.50), for withdrawals from the ATMs of Unicaja Banco, S.A.
4.00% (minimum €3.50) plus 100% of what the owner of the ATM charges Unicaja 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 euros 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.
In deferred payment mode the transactions (purchases, cash withdrawals, etc.) performed using the 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 total of the transactions performed in this payment has been made. The drawn balance will be charged an annual nominal interest rate (NIR) of 22.20%. The AER will vary depending on whether or not the payment of the maintenance fee is taken into account and on the amount of credit on the card. Here are some different examples of the AER:
(1) Concession subject to the bank's discreion. Maintenance fee in subsequent years: €39 annually.
(2) Contactless Mastercard Credit Card is exempt from the payment of the maintenance fee if you make 60 purchases in stores and/or mobile top-ups in a one year period (monthly average of 5 purchases). Cancelled operations and returns do not count.
(3) Collective policy contracted with Compañía Aseguradora Caja de Seguros Reunidos. Compañía de Seguros y Reaseguros S.A. CASER. through SEGURANDALUS MEDIACIÓN, CORREDURÍA DE SEGUROS, S.A. (Sole Administrator). Tax ID (CIF) A-48484232. General Directorate of Insurance code J-01215. Liability Insurance arranged. It has sufficient financial capacity in accordance with Law 26/2006. Free insurance applicable to the holder of the Mastercard Credit and Visa Credit card. Collective policy with renewal for calendar years at the discretion of the institution.
(*) No fees for withdrawing cash with a card at Unicaja Banco ATMs. Fees apply for withdrawing cash from the ATMs of other banks. See here where you can make withdrawals from ATMs for free.
Comply with a series of requirements and make your card maintenance fee-free.
Activate your card or block it when you need to in our APP or through Digital Banking.
Both online and abroad, you can shop easily and securely with your Unicaja cards.
The card for premium customers with a higher credit limit and more services for your travels.see Visa Gold Card
You may use Unicaja ATMs to perform the most usual operations without having to enter the branch.see ATMs service
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