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VISA GOLD CREDIT CARD

STRENGTHEN YOUR EXPECTATIONS WITH A PREFERENTIAL CARD

Are you a customer but still don't have your login details?

Higher credit limit (1)    

Expand your purchasing power with a higher spending limit.

Accepted anywhere in the world

 The Visa Gold Credit Card is recognised in millions of stores around the world.

Associated free insurance (2)    

Comes with free travel and accident insurance.

AirRefund, a very useful service on your travels

Easier processing of financial compensation for unexpected events when travelling by air. 

Solicitar tarjeta visa oro crédito

GREATER COVERAGE AND BETTER GUARANTEES

The perfect payment method when travelling

With the Visa Gold Card, our travel insurance provides you with a wide range of cover. And with AirRefund, you can claim financial compensation for delays, overbookings or the cancellation of your flight.

Clear accounts

The Visa Gold Card is also transparent, as Unicaja Banco provides you with a detailed statement of all transactions carried out with the card.

Contracting process

To sign up for the Visa Gold Credit Card, go to any Unicaja Banco branch, where we will be delighted to help you.

 

If you prefer, you can also apply for the Visa Gold

Credit Card by filling out an application form and indicating the branch where you'd like to process it. We will contact you shortly.

 

Remember that if you have any questions or queries, you can call our customer service team+34 901 24 62 46 +34 952 07 62 63.

Conditions

MAIN FEES

 

Main card maintenance fee: €70.00 per year.

Additional card maintenance fee: €50.00 per year.

Fee for withdrawing money from your account through ATMS (debit):

 

  • €0, for withdrawals at 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 debit card made by the customer at ATMs of other banks in Spain (not Unicaja Banco), the Euro Area, Sweden and Romania, Unicaja  will pass the amount that these banks charge in full to the customer. 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 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. See 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 of Spain, the Euro Area, Sweden and Romania.

 

Fee for using cash from your 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 from which you are withdrawing money charges us for using their ATM in other banks in Spain (not the Unicaja Group), 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 per transaction in a currency other than euros: 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.

 

INTEREST RATE

 

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 of 22.20%. The AER varies depending on the amount of credit on the card. Here are some different examples of the AER:

  • For a credit drawdown on the Visa Gold Credit Card for a purchase in a Spanish store for €1,500 repaid in 11 monthly installments of €140.54 and a final monthly installment of €140.49, the total amount due would be €1,756.43 which gives an AER of 36.62%. AER calculated with the maintenance fee of €70 per year included.
  • For a credit drawdown on the Visa Gold Credit Card for a purchase in a Spanish store for €3,000 repaid in 11 monthly installments of €281.07 and a final monthly installment of €281.11, the total amount due would be €3,442.88 , which gives an AER of 30.37%. AER calculated with the maintenance fee of €70 per year included.

 

In all cases, the amount of the monthly repayment cannot ever be less than €20, therefore the minimum installment to be paid will be  €20, plus the interest and fees that have been generated in the period.

Can we help you?

Leave your number and we will get in touch with you.

Call us on 952 076 263 or on 901 246 246

Other means of contacting us.

ATMs and Branches
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