AirRefund Service, ideal for trips
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Visa Gold
Visa Gold, more than just a card
Get a higher credit limit¹
The Visa Gold Card is a card the allows you to benefit from a higher additional credit limit for your expenses.
Free Travel Assistance and Accident Insurance²
Included in your Unicaja Visa Gold Card. High-end insurance with extensive coverage in the event of claims whilst travelling and accidental death coverage of up to €500,000.
More Unicaja Visa Gold benefits
Your card comes with discounts
Thanks to the Euro 6000 Plus programme, you can benefit from discounts on top brands in leisure, fashion, restaurants, technology....
How can I pay for my purchases with my Visa Gold Card?
- End-of-month payment. All the purchases you make during the month are charged on the first day of the following month, allowing you to keep within your monthly budget.
- Deferred payment. Decide whether to pay back a percentage of your purchases or a fixed monthly amount by paying for your purchases using the revolving method³.
Regardless of whether you are a customer or not, you can go to any Unicaja branch to apply for a Visa Gold Card or request further information using the application form.
If you have any doubts, remember that you can call our Customer Service Department at +34 952 60 67 67 / +34 900 15 15 16
The Visa Gold Card's main fees
Visa Gold Card annual maintenance fee: €70. Additional cards €39 per year. You might not have to pay this fee if you have joined the Zero-Fee Plan and meet the requirements laid down. Consult the Zero-Fee Plan's terms. In addition, the Visa Gold Card is exempt from the maintenance fee payment for shop purchases and/or mobile phone reloads exceeding €3,600.00 within an annual period. Cancelled transactions or reimbursements do not count.
Debit cash withdrawal fee from ATMs with a Visa Gold Card:
- 0 € fee for any withdrawals made with your Visa Gold Card from ATMs belonging to Unicaja Banco, S.A.
- 100 % of whatever the owner of the ATM charges Unicaja for the withdrawal. In other words, Unicaja Banco will pass on to the customer the amount institutions charge Unicaja Banco for any debit cash withdrawals made with the Visa Gold Card from ATMs belonging to other institutions from Spain (other than Unicaja Banco), the Eurozone, 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. Unicaja can pass on said amount to you. In any case, find out where you can make free debit cash withdrawals from ATMs in Spain with a card here.
- 4,00 % (minimum charge of €3.50) in all other countries. We will charge this fee for debit cash withdrawals made with cards from ATMs outside Spain, the Eurozone, Sweden or Romania.
Credit cash withdrawal fees from ATMs with a Visa Gold Card:
4,00 % (minimum charge of €3.50),of the amount withdrawn in transactions made at Unicaja Banco, S.A. ATMs.
4,00 % (minimum charge of €3.50) plus 100% of whatever the ATM's owner charges Unicaja for said 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), the Eurozone, Sweden and Romaniaa.
5,00 % (minimum charge of 5,00 €) in all 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.
Frequently Asked Questions about The Visa Gold Card
When you receive your Visa Gold Card, you can activate it on your Digital Banking service or by making any transaction that requires entering a PIN at ATMs or shops. You can also set it up for making online purchases on your Digital Banking service.
Yes, you can. Your Visa Gold Card is ideal for your trips because you can use it at any shop that accepts Visa cards. In order use it abroad, you just need to enable this option on your Digital Banking service. If you travel to a country that uses the same currency, you will not be charged any fees when making your purchases. However, if you travel to a country with a currency other than the euro, a 3% fee per transaction will apply. This fee will be calculated on the euro amount of all foreign currency transactions (purchases and cash withdrawals) made with the card according to the exchange rate used by the payment systems at the time of settlement.
Your Visa Gold Card has a credit limit that is reset each month after the card's settlement is paid. You can pay off the balance before the settlement date at no additional cost, which then resets the card's available credit limit. If you need to increase the credit limit, get in touch with your usual branch.
You can choose the payment method that best suits your needs. You can either pay for all your purchases at the end of the month or through the deferred payment method3. You can change of payment method whenever you want on your Digital Banking service or by going to any Unicaja branch.
Yes, you can. Your Visa Gold Card is compatible with Apple Pay, Google Pay and Samsung Pay, all of which allow you to make contactless payments at brick-and-mortar shops.
(1) Granting subject to the institution's criteria.
(2) Collective policy taken out through Unicaja Mediación, S.L.U., a related banking-insurance operator, duly registered at the Special Administrative Registry of Insurance Brokers kept by the Directorate-General of Insurance and Pension Funds under Registration No. OV-0010, acting through the Unicaja Banco, S.A. network. Third-party liability insurance taken out according to prevailing legislation. You can query the insurance companies Unicaja Mediación, S.L.U. has entered into agency agreements with at www.unicajabanco.es/seguros.
(3) Visa Gold Card interest rate:
In the deferred (revolving) payment method, any transactions made with the Visa Gold 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. 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, using the French amortisation method (constant periodic instalments which include capital and interest) over 48 months:
- For a credit drawdown using a Visa Gold Card for a purchase of €1,500 made at a Spanish store on the first day of the current month and amortised in 47 monthly instalments amounting to €44.83 and a final monthly instalment of €44.56. Total amount owed: €2,151.57, of which €651.57 are interest (if you are exempted from paying the credit card's annual maintenance fee). Total cost of credit: €651.57. APR: 19.00%. AER: 20.74%.
- For a credit drawdown using a Visa Gold Card for a purchase of €1,500 made at a Spanish store on the first day of the current month and amortised in 47 monthly instalments amounting to €44.83 and a final monthly instalment of €44.56. Total amount owed: €2,431.57, of which €651.57 are interest. The card maintenance fee of €70 is paid annually through a single payment at the beginning of each yearly period. Due to the existence of this fee, the AER varies depending on the amount and term. Total cost of credit: €931.57. APR: 19.00%. AER: 30.85%.
The monthly principal repayment amount may never be less than €20. The minimum monthly instalment to be paid will therefore be €20 plus any interest accrued and fees due in the period.