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FIT Mastercard Card

FIT, the card which adapts to you

FIT Card

A flexible, independent and, even more importantly, your credit card.

Split your purchases

You can choose to split your purchases over 3, 6, 9 and 12 months. You will only have to pay a fee depending on the term you have chosen View terms and conditions section.

Free for the first year 

Your FIT Card is exempt from any issuance or maintenance fees in the first year. No maintenance fee as from the second year according to terms and conditions. View terms and conditions section.

You can also split your bills

If paying a bill does not fit in with your plans this month, you can split its payment over 3, 6, 9 or 12 months thanks to the FIT Card. View terms and conditions section.

Additional advantages of the FIT Mastercard Card

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Enable it on your device and pay with your mobile phone

You can pay with your FIT Card on the Unicaja Banco app, Apple Pay, Samsung Pay and Google Pay at places which accept contactless payments. If you forget your wallet, you can continue making purchases without any problem.

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Transactions at ATMs

And if you need to do so, you can also make credit cash withdrawals from ATMs, so your card adapts to your needs at all times. The transaction will be made under the end-of-month payment method.

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You can make early repayments of your purchases

If you wish to redeem any purchase or a part of the balance you have drawn down early, you can do so and we will reimburse you the proportional part of the split payment fee of the part which has not been finally financed.

Your FIT Card's related services

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Set up your FIT Card as you deem fit

Remember that you can enable and disable it to operate on the Internet, as well for contactless payments.

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Instant funds

Thanks to this service, you can transfer money to your account from your card's credit.

FIT Mastercard Card payment methods

Any transactions you make amounting to less than €10 and credit cash withdrawals from ATMs will be accumulated on a monthly basis and charged to your account on the first day of the following month.

You can choose to split payments over the number of months that suits you: 3, 6, 9 or 12 months. The amount of the bills for the transactions that have been split will be charged to your account on the first day of the month following that in which you made the purchase. It is a payment method that adapts to different events that may come about.

FIT Mastercard Card application process

You can go to any Unicaja Banco branch to apply for a FIT Card, where we will be delighted to help you out.

 

You can also apply for a FIT Card by filling in the application form and indicating the branch where you would like it to be processed. We will then get in touch with you shortly to inform you of the following steps.

 

If you have any doubts, remember that you can call our Customer Service Department at +34 952 07 62 63.

Terms and Conditions of the FIT Mastercard Card

The FIT Mastercard Card's main fees

 

Card maintenance fee: €44.00 per year. You don't have to pay this fee if you make purchases and/or mobile phone reloads amounting to a cumulative total of €300 in a year. Cancelled transactions or reimbursements do not count.

 

Split payment fee: this fee is applied to the transaction's amount and varies depending on the term chosen: 2.50% for three months, 4.30% for six months, 6.00% for nine months and 7.70% for twelve months. Any transactions amounting to less than €10 will be charged at the end of the month. 

 

Credit cash withdrawal fee from ATMs with a FIT 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 Banco 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 (other than Unicaja Banco) that owns the ATM where the withdrawal is being made charges us for the use of its ATM in Spain, the Euro Zone, Sweden and Romania.
  • 5.00% (minimum charge of €5.00) of the amount withdrawn in 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.

 

FIT Mastercard Card interest rate

 

In the split payment method the amounts of the purchases made in the split payment term chosen along with their fees will be charged on the first day of every calendar month until each of the transactions made 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 repayment term is not changed, using a constant repayment method:

  • For a credit drawdown using a FIT Card for a purchase of €1,500 made at a Spanish store on the first day of the current month with the twelve-month interest-free method, AER of 16.01% amortised through an initial instalment of €240.50, which includes the split payment fee of €115.50, and eleven subsequent monthly instalments of €125.00. Total amount owed: €1,615.50. Total cost of credit: €115.50.
  • For a credit drawdown using a FIT Card for a purchase of €1,500 made at a Spanish store on the first day of the current month with the three-month interest-free method, AER of 16.52% amortised through an initial instalment of €537.5, which includes the split payment fee of €37.50, and two subsequent monthly instalments of €500.00. Total amount owed: €1,537.50. Total cost of credit: €37.50. The AER varies depending on the term.

Do you want to sign up for your FIT Mastercard Card?

Apply for a FIT Mastercard Card

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