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Visa Classic Card

The credit card that's always with you

Granting subject to the institution's criteria

Payments methods that suit you

Choose the payment method for your Visa Classic Card that best suits you: at the end of the month or in instalments.

You can use it to pay with your mobile phone

Add your Visa Classic Card to any of the mobile payment applications: UniPay, Apple Pay, Samsung Pay and Google Pay.

First year free of charge

Your credit card will be exempt from any issuance or maintenance fees in the first year. No maintenance fee as from the second year according to terms and conditions (1) .

Includes free associated insurance (2)  

The Visa Classic Card comes with free travel assistance and accident insurance.

We reimburse you 8% of your purchases

Sign up for your Visa Classic Card from now until 31 August 2020 and we'll reimburse you 8% of the purchases you make until 31 August (maximum amount of €10). Don't forget that this promotion is limited to 2,500 new signings.

Visa Classic Card promotion

Additional advantages of the Visa Classic Credit Card

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Defer your purchases if you need to do so

If you have made a purchase with your Visa Classic Card you hadn't planned for and have exceeded your monthly budget, you can defer it and pay for it in instalments. Do it on your Digital Banking service.

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Domestic/foreign cash withdrawals *

You can make cash withdrawals with your Visa Classic Card both in Spain and abroad. Find out where you can make free ATM cash withdrawals.

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Benefit from the Instant Funds service(3)

The "Instant Funds" service allows you to transfer money from your Visa Classic Card's credit to your account whenever you need it. Login to your Digital Banking service and take advantage of it.

Your Visa Classic Credit Card's related services

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Zero-fee cards

Get your Visa Classic Card with no fees if you meet several requirements.

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Set up the uses of your Visa Classic Card

You can enable payments abroad or contactless payments with your Visa Classic Card and change these settings whenever you want.

Your Visa Classic Credit Card's payment methods

Any purchase made with the Visa Classic Card during the month will be charged on the first day of the following month under the end-of-month payment method, allowing you to keep within your budget every month.

The deferred payment method lets you decide how to defer your purchases. You can choose to repay:

 

  • A fixed monthly amount.
  • A percentage of the debt.

 

The charge will be made on the first day of each month under this payment method.

Application Process for the Visa Classic Credit Card

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

 

If you prefer, you can also apply for a Visa Classic Credit 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.

 

If you have any doubts or queries, remember that you can call our Customer Service Department at +34 901 24 62 46 or +34 952 07 62 63.

Terms and Conditions of the Visa Classic Credit Card

The Visa Classic Card's main fees

 

Annual maintenance fee: €39.00. You don't have to pay this fee if you have joined the Zero-Fee Plan and meet the requirements or if you make 60 shop purchases and/or mobile phone reloads in a year (monthly average of five transactions). Cancelled transactions or reimbursements do not count. Consult the terms of the Zero-Fee Plan.

 

Debit cash withdrawal fee from ATMs with a Visa Classic Card:

  • €0 fee for any withdrawals from ATMs belonging to Unicaja Banco, S.A.
  • 100% of whatever the owner of the ATM charges Unicaja Banco for the withdrawal. In other words, Unicaja Banco will pass on the amount institutions charge Unicaja Banco for any debit cash withdrawals you make from ATMs belonging to other institutions from Spain (other than Unicaja Banco), the Euro Zone, Sweden and Romania. We inform you that the amount the institution which owns the ATM you are withdrawing cash from will charge Unicaja Banco should be displayed on screen when you are making the withdrawal. We can pass on said amount to you. In any case, you can query the areas in Spain where we won't charge you for the first three debit cash withdrawals to offset our lack of an extensive ATM network in those provinces. Find out where you can make free withdrawals in Spain here.
  • 4.00% (minimum charge of €3.50) of the amount withdrawn in other countries. We'll charge this fee for debit cash withdrawals from ATMs outside Spain, the Euro Zone, Sweden or Romania.

 

Credit cash withdrawal fee from ATMs with a Visa Classic 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 that owns the ATM where the withdrawal is being made charges us for the use of its ATM in Spain (other than Unicaja Banco), 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: 0%. 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.

 

 

Visa Classic Card interest rate

 

In the deferred payment method, any transactions made with the 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. The balance drawn down will accrue interest at the Annualised Percentage Rate (APR) of 19.00%. The Annual Equivalent Rate (AER) varies depending on whether or not the card's maintenance fee is taken into account and the amount of credit on the card. 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: 

  • In the case of a credit drawdown from a Visa Classic Credit Card for a purchase made at a Spanish shop amounting to €1,500 that is repaid in 11 monthly instalments of €138.16 and a final monthly instalment of €138.22, the total amount owed would be €1,657.98 and the AER would be 20.75% (if you don't pay the credit card's annual maintenance fee).
  • In the case of a credit drawdown from a Visa Classic Credit Card for a purchase made at a Spanish shop amounting to €1,500 that is repaid in 11 monthly instalments of €138.16 and a final monthly instalment of €138.22, the total amount owed would be €1,696.98 and the AER would be 27.01% (if you don't pay the credit card's annual maintenance fee of €39.00).
  • In the case of a credit drawdown from a Visa Classic Credit Card for a purchase made at a Spanish shop amounting to €3,000 that is repaid in 11 monthly instalments of €276.33 and a final monthly instalment of €276.28, the total amount owed would be €3,315.91 and the AER would be 20.75% (if you don't pay the credit card's annual maintenance fee).
  • In the case of a credit drawdown from a Visa Classic Credit Card for a purchase made at a Spanish shop amounting to €3,000 that is repaid in 11 monthly instalments of €276.33 and a final monthly instalment of €276.28, the total amount owed would be €3,354.91 and the AER would be 23.81% (if you don't pay the credit card's annual maintenance fee of €39.00).

In all these cases, the monthly repayment instalment may never be less than €20. Thus, the minimum monthly instalment to be paid will be €20 plus any interest accrued and fees due in the period.

Do you want to sign up for your Visa Classic Credit Card?

Apart from the Visa Classic Credit Card

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If you have any doubts

Cards and Merchants Support Department

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Can we help you?

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Call us on 952 076 263 or on 901 246 246

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