Open Credit Card

Open Credit Card

Open Credit Card

Get your Open Credit Card for free

Become a customer

No fees1

Free card issuance and renewal if you set up a direct deposit for your salary or use the card once a month.

Flexible repayment options

Choose to settle your monthly expenses in a lump sum or by fixed or variable instalments, 18% annual NIR, 19.56% APR2.

Buy now and pay later in 2 clicks

Finance your purchases or payments of €30 or more over 1 month with no interests (0% APR)3. Or, if you prefer, you can split the payment over 2 to 36 months (annual NIR: 14.00%; 14.93% APR)4.

Secure online and in-person purchases all over the world

3D Secure Code System. Free SMS payment alerts.

More convenient for your day-to-day life

  • With the Open Credit Card, you can make online or in-store purchases in any merchant that accepts Visa.

  • With contactless technology, all you need to do is hover your card over the terminal for payments under €50. 

  • You have up to €6,000 available per month5.

Free Visa Card

  • Free issuance and renewal if (i) you arrange for your salary or pension to be paid directly into Openbank; or (ii) you have regular income of at least €900; or (iii), you use your card once a month or choose the Financed Payment option. Otherwise, the cost to renew your card is €2 per month.

  • Extras free of charge: Open Discounts, accident insurance, SMS alerts, 3D Secure Code System, etc. 

Security and peace of mind from day one

  • Your purchases with secret PIN number and 3D Secure Code System. 

  • Receive free SMS payment confirmation alerts every time you make a purchase with the card.

  • As a cardholder, you're insured during your trips and while out and about on your day-to-day. (with the coverage of Santander Seguros y Reaseguros S.A.)6.