FIT Mastercard Card

Pay for your purchases and bills in instalments using the FIT Mastercard Card

The card which adapts to you. An unexpected bill or an extra purchase? Your FIT Mastercard Card¹ allows you to split your purchases over 3, 6, 9 or 12 months.

Further information

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

Instant digital activation

You have the possibility of using your card from the moment you sign up for it by adding it to the wallet of your choice. You can make purchases at brick and mortar stores, online merchants and make ATM cash withdrawals without waiting for the physical card's delivery! However, you can also decide to activate it when you receive it.

You'll always have money at hand

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.

Discounts on purchases

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

Query discounts

Includes travel insurance

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?

Split payment

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.

End-of-month payment

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.

More information

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.

Further information

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:

4.50% (minimum charge of €4.00) of the amount withdrawn in transactions made at ATMs belonging to Unicaja Banco, S.A.

4.50% (minimum charge of €4.00) plus 100% of whatever the owner of the ATM charges Unicaja for the withdrawal. In other words, a 4.50% fee will be charged (with a minimum charge of €4.00) 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: 3.95%. 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.

Frequently asked questions about Mastercard FIT

You have two possibilities:

If you choose instant activation, you can use the card for online purchases, over-the-counter payments at stores and cash withdrawals from the moment you sign up for it. You will need to add it to your favourite wallet, like Apple Pay or Google Pay, in order to start using it. Once you receive the physical card, make a transaction that requires entering the PIN in order to be able to use it.

If you prefer to activate the card when it is delivered, you can activate it on your Digital Banking service or by making a transaction that requires entering the PIN at a merchant or ATM once it is delivered to you. The card will not be available for use until then.

You just have to log in to your Digital Banking service, select the card and enter the "Settings" and "Security Settings" menu. There you will be able enable or disable both online purchases and transactions abroad.

The small print, in capital letters

(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) Typical FIT Mastercard Card example:

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.