Visa Platinum Card
Discover exclusivity wherever you go
Your ideal companion wherever you may be
Benefit from a higher credit limit¹
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.
Free high-end insurance²
Your Visa Platinum Card comes with free Travel Assistance Insurance with extensive coverage and Accident Insurance with coverage up to 1,000,000€.
Take it anywhere in the world
We'll refund the currency exchange fee3 for face-to-face purchases abroad, and you won't pay any fees for debit cash withdrawals abroad at ATMs3.
AirRefund Service, ideal for trips
Delays, cancellations or overbooking? You can claim any compensation you're entitled to from the airline quickly and easily.
Enjoy exclusive, luxury benefits
With Visa Luxury Hotel Collection you can book rooms at some of the most prestigious hotels, specially selected for Visa Platinum cardholders.
Your card, your payment, your choice
With your Visa Platinum:
- End-of-month payment: All the purchases you make during the month are charged on the first day of the following month. You can therefore keep within your monthly budget.
- Deferred payment: The revolving4 payment method enables you to pay for your purchases in convenient instalments, allowing you to decide whether to pay back a percentage of your purchases or a fixed amount on a monthly basis.
Ready to use Click to Pay?
Click to Pay is a new way for VISA to pay for your online purchases in just one click, without having to enter your card number. All you have to do is sign up on their website and every time you see the Click to Pay symbol on an online purchase, you can use it. It's easy!
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: +34 952 60 67 67 / +34 900 15 15 16
The Visa Platinum Card's main fees:
Annual Visa Platinum Card maintenance fee: €120.00. Additional €70 per year. You will not have to pay this fee if you have joined the Zero-Fee Plan and meet the specified requirements. Consult the Zero-Fee Plan's terms and conditions.
Debit cash withdrawal fee from ATMs with a Visa Platinum Card:
- €0 fee for debit cash withdrawals made 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 will pass on the amount institutions charge Unicaja for any debit cash withdrawals you make with a Visa Platinum Card from ATMs belonging to other institutions from Spain (other than Unicaja). We inform you that the amount the institution which owns the ATM you are withdrawing cash from will charge Unicaja should be displayed on screen when you are making the withdrawal. We 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.
- 0.00% (minimum charge of €0.00) in all other countries. We'll charge this fee for debit cash withdrawals from ATMs made with Visa Platinum Card 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: 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. In the case of in-store purchases, this commission is refunded with a credit to the customer's account.
Visa Platinum Card interest rate4
(1) Concession subject to the bank’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 Platinum Card. Collective policy renewed by calendar years at the institution's discretion.
(3) Commissions for payments in currencies other than the euro will be charged on top of the purchase amount and the commission will be refunded by crediting the customer's account. Unicaja does not charge any fees for debit cash withdrawals made abroad, though other foreign institutions may charge a fee for using their ATMs.
(4) Visa Platinum Card interest rate:
In the deferred (revolving) payment method any transactions made with the Visa Platinum 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 Platinum 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 Platinum 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: €2,631.57, of which €651.57 are interest. The card maintenance fee of €120 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: €1,131.57. APR: 19.00%. AER: 38.61%.
The monthly capital 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.
Can we help you?
You can also contact the Bank by calling at 952 60 67 67 or through the contact form.
The telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).