Visa Diamond Infinite Credit

If you want to know how you can get the Visa Diamond Infinite Credit Card, call us on 900 247 365 or 911 775 933.

As it is a credit card, the following cash withdrawals at ATMs apply:

• You can withdraw cash on credit at ATMs in Spain with a cost of 3.90% and a minimum per transaction of € 3.90, in addition to the fee indicated on the screen.
• If you withdraw cash at ATMs belonging to other banks in the EU, you will only pay the fee indicated by the ATM. And if you withdraw cash at ATMs belong to other banks outside the EU, you will pay 4.5% of the withdrawn amount, with a minimum of €3.

For purchases in foreign currency: 3% of the amount is applied, with a minimum of €2.

Transfers from your current account to the Visa Diamond Infinite Credit Card are free. And transferring money from the Visa Diamond Infinite Credit Card to your current account has a cost of 3.90% of the amount transferred, with a minimum of €3.90.

The SMS alert service is free.

Card issuance is free and renewal after the first year will only cost €175 each year. Additional cards cannot be applied for.

With our Card Control service, you can turn your card off and on, both fully and partially. This funcionality also allows you to select in which countries and for what type of transaction you want to use your card. If you want to know more about this service, click here. 

It includes four very useful types of Insurance: travel assistance insurance, protection insurance, accident insurance and insurance against fraud.

Travel assistance insurance arranged with Legálitas.

• Delayed/lost luggage. If there is a delay of more than four hours, it includes emergency purchases. Maximum compensation: €400
• Cancellation of travel owing to illness, death, etc. maximum indemnification €3,000. Medical expenses if you fall ill or have an accident during the trip. Maximum expenses: €60,000.
• Gastos médicos si caes enfermo o tienes un accidente durante el viaje. Gasto máximo: hasta 60.000 €.
• Lost luggage. Theft and loss of luggage due to the transport company: maximum compensation: €1,202.
• Advance payment of legal assistance in certain cases: up to €2,404.05
• In addition to covering you as the holder, the insurance policy also covers those travelling when the travel is paid for using the credit card (even if you do not travel).
• Cover starts 50km from your home and all over the world.
• In addition to the other guarantees usually covered by standard travel insurance.

See further details on this insurance. 

Protection insurance arranged with AIG.

• Your purchases protected.
  • This covers all your online purchases of more than €150. It includes the replace of the product or its reimbursement of up to €500 per claim and up to a maximum of €2,000 per year.
  • It also covers damage and the theft of in-store purchases of more than €150 up to €500 per claim and up to a maximum of €2,000 per year.
• Robbery at a ATM.
  • This covers cash that has been stolen up to eight hours after its withdrawal. Maximum compensation: €500  
• One additional year's warranty.
  • In addition to the two-year warranty established by law, the insurance offers you 12 months additional warranty for any product that you have purchased with the card valued at more than €250. Maximum sum insured: €500 per claim and €2,000 per year.  
• Car hire cover. With this insurance you will avoid taking out the insurance required by car hire agencies for additional cover. With a compensation limit of up to €200 per claim and €1,000 per year. Valid throughout Spain.

See further details on this insurance.  

Free insurance against fraud.  

• From the moment you inform Openbank, you will be protected against potential fraud with your card. Maximum two reports per year, with no excess. From then on, the excess is €50.

Travel Accident Insurance arranged with Santander Seguros y Reaseguros, S.A.

Travel accident insurance that covers claims for death or disability as a result of an accident as a passenger on public transport, provided that the ticket had been paid with the card. This insurance covers the holder and any other person whose journey was paid for with the holder’s card. Maximum compensation: €120,202.20.

It also includes another accident insurance that in the event of claims for death or disability of the holder as a result of an accident at work or during their day-to-day pays out compensation equal to the sum of charges to the account for purchases made with the card in the last 12 months. Maximum compensation: €6,010.12.

For further information on the coverage and terms and conditions, see the policy.

Yes, you can add your Visa Diamond Infinite Credit Card to the main mobile payment platforms: the Openbank app wallet, Apple Pay, Samsung Pay, Google Pay, Fitbit Pay and Garmin Pay. To find out more, click here.

Of course, because the Visa Diamond Infinite Credit adapts to your needs.

Pay in instalments:

Settle your payments in fixed or variable instalments. The minimum amount you can finance is 10%, with a minimum instalment of €30.

The applicable interest rate is 0.79% monthly NIR, 11.39% annual NIR, 12.00% APR¹

¹Representative example for €1,500 drawn on 1st of the month, with financed payment option, and 12 fixed monthly instalments, on the assumption that there are no further drawdowns during that period or any breach of the terms and conditions of the agreement: 11.39% annual NIR; 12.00% APR; 11 instalments of €132.85 and a final instalment of €132.81. Total amount of credit: €1,500. Total amount owed: €1,594.16. Total cost of credit: €94.16. The calculation includes the card issuance fee: €0. This example does not consider the possibility of any new drawdowns from the line of credit or any non-payments during this period. Therefore, for this specific example, the cash purchase price would be €1,500 and the total amount to be repaid in instalments would be €1,594.16.

This APR will vary from the second year onwards after adding the card renewal fee of €175.

Please note that the monthly instalments are first and foremost used to pay off interests and charges and, secondly, to repay the amount borrowed, so choosing reduced instalments may only cover repayment of the residual interest proportion of the credit.

Finance your purchase

You can split any of your purchase for €60 or more over various terms, from 2 to 36 months.

The applicable interest rate is 0.79% monthly nominal, 9.57% annual NIR, 10% APR².

²Representative example for a financed purchase of €1,000 made on 1^st of the month, with the regular payment option and 12 fixed monthly instalments, on the assumption that there are no further drawdowns during that period or any breach of the terms and conditions of the agreement: 9.57% annual NIR; 10.00% APR; 11 instalments of €87.72 and a final instalment of €87.67. Total amount of credit: €1,000. Total amount owed: €1,052.59. Total cost of credit: €52.59. The APR and the total amount to be paid are calculated on the assumption that the agreement will remain in force for the entire term and that the parties will meet their obligations under the agreed terms and conditions and repayment deadlines. Therefore, for this specific example, the cash purchase price would be €1,000 and the total amount to be repaid in instalments would be €1,052.59.

Full payment:

If you choose the full payment option, you will make a single lump sum payment, with no interests or fees, of the full amount charged to your card and it will be settled in your account each month.

Yes, you can finance a payment of €60 or more charged to the account associated with your credit card. The money will be instantly transferred to the account, decreasing the amount of the limit available on your card. Choose a period of between 2 and 36 months to finance it. You can finance payments for the last 3 months that are shown in the list of transactions using the ‘Finance your payment’ option on either the website or app.

The applicable interest rate is 0.79% monthly, 9.57% annual NIR (APR 10.00%*).

*Representative example for a financed payment on account of €1,000 made on 1st of the month, with the regular payment option and 12 fixed monthly instalments, on the assumption that there are no further drawdowns during that period or any breach of the terms and conditions of the agreement: 9.57% annual NIR; 10.00% APR; 11 instalments of €87.72 and a final instalment of €87.67. Total amount of credit: €1,000. Total amount owed: €1,052.59. Total cost of credit: €52.59. The APR and the total amount to be paid are calculated on the assumption that the agreement will remain in force for the entire term and that the parties will meet their obligations under the agreed terms and conditions and repayment deadlines. Therefore, for this specific example, the cash purchase price would be €1,000 and the total amount to be repaid in instalments would be €1,052.59.  

The fees and interest rates for the latest calendar quarter can be found on the “Bulletin Board” tab on the Openbank Legal Information page by clicking here. You can find further information in Annex 1 in the “Information on fees and interest rates charged or offered”.

For further information, call us on (+34) 91 177 33 10 and we'll be glad to help.