No fees in the first year

Your FIT Mastercard Card has no issuance or maintenance fees in the first year. As from the second year, free from maintenance fee according to terms and conditions.

View Terms and Conditions

Split payment method

The FIT Mastercard Card allows you to choose whether to split your purchases or the payment of an unexpected bill over 3, 6, 9 or 12 months.

Additional advantages of the FIT Mastercard Card


Your FIT Mastercard Card grants you credit to make purchases, withdraw cash or transfer your card's credit to your account. You will therefore always have money at hand whenever you need it anywhere in the world.


Find out about your card's EURO 6000 advantages and discounts at leisure, fashion, restaurant, technology brands, etc.

Query discounts.


Your card includes free travel assistance and accident insurance2 to ensure you are always protected. It is also equipped with contactless technology and an EMV chip to prevent fraudulent copies.

FIT Mastercard Card payment methods


How can I pay for my purchases?



Choose how to split the payment of your purchases and bills over 3, 6, 9 or 12 months³. The payments will be charged to your account on the first day of the month following that in which you made the purchase.



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.

Apply for your FIT Mastercard Card

In order to subscribe a FIT Mastercard Card, you can go to any Unicaja branch or request further information using the form.

Can we help you?

Hours: Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except holidays).

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  • 4.00% (minimum charge of €3.50) of the amount withdrawn in transactions made at ATMs belonging to Unicaja Banco, S.A.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

Can we help you?

Also at 952 076 263 or through the contact form.

Our telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).

We also put other contact methods at your disposal: