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 a purchase or charge to your account for €30 or more over 2 to 36 months, 14% annual NIR, 14.93% APR3.

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 month4.

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.)5.


Become a customer in just three steps, wherever you are


Fill out your details

To become a customer, we need to know a few things about you. Fill out the online form and choose your passcode. Have your DNI or NIE at hand.


Confirm your identity

From the comfort of your own home. By video identification or using the number of your account at another bank.


Sign electronically

We will send you an SMS text with a security code to access your contract so that you can sign it online.