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Visa Platinum Card

Preferential card for more international clients

Granting subject to the institution's criteria

Benefit from a higher credit limit (1)

The Visa Platinum Card is a card which allows you to enjoy a little bit extra in so far as the credit limit for your purchases is concerned.

Take it with you anywhere in the world

The Visa Platinum Card is accepted by millions of shops. Your ideal companion wherever you may be.

You can make transactions abroad without being charged any fees with our Visa Platinum Card

Without currency exchange commission on over the counter purchases abroad and without commission for withdrawing cash on debit abroad *.

The perfect payment method for your travel

Benefit from your travel assistance and accident insurance, along with the Visa Luxury Hotel service.

We reimburse you 8% of your purchases

Sign up for your Visa Platinum 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 Platinum Card promotion

Additional advantages of the Visa Platinum Card

Icono móvil con tarjeta de Unicaja Banco

You can pay with your smartphone

Sólo tienes que incluir tu tarjeta Visa Platinum en cualquiera de las siguientes aplicaciones para pago móvil: UniPay, Apple Pay, Samsung Pay y Google Pay. Podrás utilizarlo en cualquier establecimiento que acepte pagos contactless.

Cajero-tarjeta

AirRefund Service, ideal for trips

How often have you suffered a flight delay, a flight cancellation or overbooking? Thanks to the AirRefund Service, you can claim any compensation you're entitled to from the airline quickly and easily.

Icono monedas Unicaja Banco

No maintenance fee

You can benefit from a maintenance fee exemption for your Visa Platinum Card with a Personal Banking account. We also recommend you take a quick glance at its exclusive conditions. You're are more than likely to be interested in them!

Your Visa Platinum Card's related services

Configura tu Visa Platinum

Set up your Visa Platinum Card

Don't forget that you can activate it to operate abroad and deactivate it again whenever you need to.

Dinero al momento Visa Platinum

Instant Funds Service

You can draw down credit from your Visa Platinum Card and even transfer it to your current account.

Your Visa Platinum Card's payment methods

Under the end-of-month payment method, all the purchases you make with your Visa Platinum Card in the month will be charged on the first day of the following month. You can therefore monitor your purchases and keep within your budget each month.

The deferred payment method lets you decide how to defer any purchases you make with your Visa Platinum Card and their repayment instalments. If you so wish, you can choose to repay:

 

- A percentage of the debt.

- A fixed monthly amount.

 

The charge will be made on the first day of each month.

Application process of the Visa Platinum Card

In order to be able to subscribe "Visa Platinum Card", you may go to any of our Unicaja Banco branches where we will be pleased to attend you.

 

If you prefer, you may also apply for "Visa Platinum Card" by filling in the application form and stating which branch you prefer to process it at. We shall shortly contact you.

 

Remember that, in the event of any doubt or query, you may call our customer care service: +34 901 24 62 46 or +34 952 07 62 63.

Terms and Conditions of the Visa Platinum Card

The Visa Platinum Card's main fees

 

Main card's maintenance fee: €120.00 a year.

Additional Visa Platinum Card maintenance fee: €70.00 a year.

Debit cash withdrawal fee from ATMs with a Visa Platinum 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 to the customer the amount institutions charge Unicaja Banco for any debit cash withdrawals made by the customer 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.
  • 0.00% (minimum charge of €0.00) in all other countries. We'll charge this fee for debit cash withdrawals from ATMs outside Spain.

 

Credit cash withdrawal fee from ATMs with a Visa Platinum 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 (over-the-counter purchases) made with the card according to the exchange rate obtained by the payment systems on the date when the relevant settlement is made. A 3% fee will be charged for purchases which are not over-the-counter purchases and for all other transactions.

 

 

Visa Platinum Card interest rate

 

In the deferred payment method, any transactions made in each calendar month 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 Platinum Card for a purchase made at a Spanish shop amounting to €3,600 that is repaid in 11 monthly instalments of €331.59 and a final monthly instalment of €331.63, the total amount owed would be €3,979.12 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 Platinum 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 €1,777.98 and the AER would be 41.89%. AER calculated by including the card's annual maintenance fee of €120.
  • In the case of a credit drawdown from a Visa Platinum 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 Platinum 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 €3,435.91 and the AER would be 30.61%. AER calculated by including the card's annual maintenance fee of €120.

 

The monthly 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.

Coverage and Benefits of the Visa Platinum Card

COVERAGES of our Platinum Visa Card

 

The Platinum Visa Card has multiple coverages and services that offer unique advantages:

 

1. Travel assistance insurance(2)

  • Third-party liability abroad (up to €90,150.00)
  • Medical expenses (up to €12,000)
  • Damage to baggage (up to €1,500)
  • Means of transport delays (up to €300)

 

2. Accident insurance(2) (up to € 1,000,000)

 

3. Emergency liquidity service. If you are robbed or lose your card, you can ask for emergency cash by calling + 34 901 246 246 or +34 952 076 263, the cash will be provided wherever you need it.

 

 

BENEFITS of the Visa Platinum Card

 

Thanks to the Privileges programme, access direct discounts in stores with your Visa Platinum Card https://www.euro6000.com/unicaja-banco

Do you want to sign up for your Visa Platinum Card?

Apply for Visa Platinum Card

Apart from the Visa Platinum Card

Visa Gold Card

Visa Gold Card

The card for premium customers with a higher credit limit and more services for your travels.

View Visa Gold Card
Visa Classic Card

Visa Classic Card

Una tarjeta de crédito que siempre te acompaña para que tus compras no sean un problema gracias a su flexibilidad de pago.

View Visa Classic Card
Mastercard Credit Card

Mastercard Credit Card

A credit card that makes your life easier and allows you greater flexibility in payment methods.

View Mastercard Credit Card

If you have doubts

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Call us on 952 076 263 or on 901 246 246

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