credit card

Open Credit Card

OpenCredit Credit Card

Now with no issuance fee

Become a Customer

Now with no issuance fee

Sign up

Now with no issuance fee

Validity period: until November 30th 2017.

How can you take part in this promotion?

You just have to sign up for your Open Credit Card before November 30th 2017.

  • See the Standard European Consumer Credit Information (SECCI) for the card here.
  • If you are not yet an Openbank customer, you can become a customer on our website or by calling us at 911 773 310 and requesting your Open Credit Card.
  • If you are already a customer, login and request your card.
No fees

Issuance and renewal is free if you have your salary paid directly into your account and you use it.

Flexibility for payment of your purchases

Choose how you want to pay your monthly expenses: a single payment or in fixed or variable instalments.

Secure on-line purchases in establishments all over the world

Secure E-Commerce Systems. Free SMS payment confirmation.

Free accident insurance

On public transport and on travel.

More convenient for your day-to-day life

  • With the Open Credit credit card you can buy online or in any establishment that accepts Visa, one of the most widely used cards in the world.

  • With Contactless technology, for payments of less than 20 € all you need to do is hold your card near the terminal. 

  • You have  up to 6.000€ available per month for your purchases or to withdraw cash from ATMs.

Free

  • Issuing the card or renewing is free for all account holders if you have your salary, pension or regular income of at least 900€ paid into your Open Payroll Account or you choose the deferred payment option and use it. You can also obtain one for just 24€ per year without meeting the conditions. 

  • Extras with no fees: accident insurance, text alerts, Secure E-Commerce, etc. 

  • If you decide to make a single payment for your expenses each month, it is free.

Security and peace of mind day one

  • Your purchases with secret PIN number and Secure E-Commerce System. 

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

  • As cardholder, you have accident coverage during your trips and on public transport (with the guarantee of Santander Seguros y Reaseguros S.A.).

Become a customer in just three steps, wherever you are

Become a customer in just three steps, wherever you are

1

Complete the online form

To become a customer, we need to know a few things about you. Complete the online form and choose your access code.

2

Confirm your identity

Without having to go anywhere. By video call, providing your account number in another bank or with a messenger.

3

Sign electronically

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

  

Would you like to know more about the Open Credit Card?

Issue and renewal of the Open Credit Card is free if you have your salary paid directly into your account or you use the card at least once a month. You can also obtain one for just 24€  per year without meeting the conditions. 

  • Transferring cash from your current account to your credit card is free too.

  • If you decide to make a single payment on the first day of each month, there are no fees.

  • The Secure E-Commerce system and text Alert Service are free. 

  • If you withdraw cash on credit at ATMs: 3%. Minimum fee: 3€
  • If you transfer cash from your card to your current account, the minimum fee is 3€.
  • If you make purchases in currencies other than euros, the minimum fee is 2€.
  • In any case, you will always know what the fee is before completing the transaction, so you can decide whether or not to accept it.

Of course, you can choose the option that best suits you at any time.

  • Deferred payment:

It defers the payment of what you spend with fixed or variable repayments. The minimum you can defer is 10% of the credit limit of your card, with a minimum fee of  30€.

The interest rate for deferring your payment is 1,85% monthly, 22,20% annual NIR (APR   24,60%).

Example for a purchase of 1.500€ made on the 1st of the month, with a deferred payment method involving a fixed repayment over 12 months, on the assumption that there are no more deferred purchases in that period and there is no breach of the terms and conditions of the contract. Annual nominal interest rate: 22,20%; APR 24,60%; 11 repayments of 140,54€ and a final payment of 140,49€. Total amount of the credit: 1.500€ Total amount owed: 1.686,43€. Total cost of the credit: 186,43€. The card issuance fee of 0€ has been included in the calculation. This example does not anticipate the existence of new uses of the credit line at this time, nor incidents with repayments.

  • Defer your purchase:

You can split any of your purchases over 60 € into various instalments,  between 2 and 36 months  

The interest rate for deferring your purchase or pay later is 1,39% monthly, 16,67% annual NIR (APR 18,00%).

Example: For a DEFERRED PURCHASE of 1.000€ made on the 1st of the month, with a regular payment method involving a fixed repayment over 12 months, on the assumption that there are no more deferred purchases in that period and there is no breach of the terms and conditions of the contract. Annual nominal interest rate: 16,67%; APR 18,00%; 11 repayments of 91,05€ and a final payment of 91,03€. Total amount of the credit: 1.000€ Total amount owed: 1.092,58€. Total  cost of the credit: 92,58€. The APR and total amount that you must pay are calculated on the assumption that the contract will remain in force for its entire duration and that the Parties fulfil their obligations within the agreed conditions and deadlines.

  • Pay later:

You can delay all or part of the card payment at the end of the month for one month. The minimum to delay is 3% of the total bill and/or 25€.

Example for "Pay Later" the following month of 500€ at a nominal annual interest rate of 16,67%; APR 18,00%; The calculation of interest assuming 31 days of deferment of the repayment until the following settlement is 3,93€, assuming a total amount of the credit: 500,00€ Total amount owed: 503,93€. Total cost of the credit: 3,93€. The APR and total amount that you must pay are calculated on the assumption that the contract will remain in force for its entire duration and that the Parties fulfil their obligations within the agreed conditions and deadlines.

If you prefer, a single payment without interest or fees. All the cash you withdraw at ATMs or that you use for purchases will be paid off in your account on a monthly basis.

Yes, free insurance agreed with Santander Seguros y Reaseguros S.A. If you have an accident and you are a cardholder, the maximum indemnification is 6.010,12€. 

And if you have purchased a journey on public transport with the card, in addition to covering you as the card holder, the insurance also covers up to 5 people whose travel is charged to the card. Maximum indemnification: 120.202,42€.

Find out about all the details and cover in your corresponding policy.

If you aren’t a customer yet you only have to open a fee-free current account here

We make it extremely simple for you. Call us on [ok_token:Teléfono_NO_clientes]​​​​​​​ if you aren't a customer yet. Our team of professionals will help you with everything you need. 

Issue and renewal of the Open Credit Card is free if you have your salary paid directly into your account or you use the card at least once a month. You can also obtain one for just 24€ per year without meeting the conditions. 

  • Transferring cash from your current account to your credit card is free too.

  • If you decide to make a single payment on the first day of each month, there are no fees.

  • The Secure E-Commerce system and text Alert Service are free. 

  • If you withdraw cash on credit at ATMs: 3%. Minimum fee: 3€.
  • If you transfer cash from your card to your current account, the minimum fee is 3€.
  • If you make purchases in currencies other than euros, the minimum fee is 2€.
  • In any case, you will always know what the fee is before completing the transaction, so you can decide whether or not to accept it.

Of course, you can choose the option that best suits you at any time.

  • Deferred payment:

It defers the payment of what you spend with fixed or variable repayments. The minimum you can defer is 10% of the credit limit of your card, with a minimum fee of  30€.

The interest rate for deferring your payment is 1,85% monthly, 22,20% annual NIR (APR   24,60%).

Example for a purchase of 1.500€ made on the 1st of the month, with a deferred payment method involving a fixed repayment over 12 months, on the assumption that there are no more deferred purchases in that period and there is no breach of the terms and conditions of the contract. Annual nominal interest rate: 22,20%; APR 24,60%; 11 repayments of 140,54€ and a final payment of 140,49€. Total amount of the credit: 1.500€ Total amount owed: 1.686,43€. Total cost of the credit: 186,43€. The card issuance fee of 0€ has been included in the calculation. This example does not anticipate the existence of new uses of the credit line at this time, nor incidents with repayments.

  • Defer your purchase:

You can split any of your purchases over 60 € into various instalments,  between 2 and 36 months  

The interest rate for deferring your purchase or pay later is 1,39% monthly, 16,68% annual NIR (APR 18,00%).

Example: For a DEFERRED PURCHASE of 1.000€ made on the 1st of the month, with a regular payment method involving a fixed repayment over 12 months, on the assumption that there are no more deferred purchases in that period and there is no breach of the terms and conditions of the contract. Annual nominal interest rate: 16,68%; APR 18,00%; 11 repayments of 91,05€ and a final payment of 91,03€. Total amount of the credit: 1.000€ Total amount owed: 1.092,58€. Total  cost of the credit: 92,58€. The APR and total amount that you must pay are calculated on the assumption that the contract will remain in force for its entire duration and that the Parties fulfil their obligations within the agreed conditions and deadlines.

  • Pay later:

You can delay all or part of the card payment at the end of the month for one month. The minimum to delay is 3% of the total bill and/or 25€.

Example for "Pay Later" the following month of 500€ at a nominal annual interest rate of 16,68%; APR 18,00%; The calculation of interest assuming 31 days of deferment of the repayment until the following settlement is 7,75€, assuming a total amount of the credit: 500,00€ Total amount owed: 507,75€. Total cost of the credit: 7,75€. The APR and total amount that you must pay are calculated on the assumption that the contract will remain in force for its entire duration and that the Parties fulfil their obligations within the agreed conditions and deadlines.

If you prefer, a single payment without interest or fees. All the cash you withdraw at ATMs or that you use for purchases will be paid off in your account on a monthly basis.

Yes, free insurance agreed with Santander Seguros y Reaseguros S.A. If you have an accident and you are a cardholder, the maximum indemnification is 6.010,12€. 

And if you have purchased a journey on public transport with the card, in addition to covering you as the card holder, the insurance also covers up to 5 people whose travel is charged to the card. Maximum indemnification: 120.202,42€.

Find out about all the details and cover in your corresponding policy

If you are already a customer:

  • Call us at 91 177 33 10 and speak to our team of professionals.
  • Enter the Customer Area on our website or through our app on your mobile phone or tablet.

We make it extremely simple for you. Call us on 91 177 33 10 if you are already a customer. Our team of professionals will help you with everything you need. 

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