Diamond Debit and Credit Card Pack
Add a sparkle to your payments
- Fee-free cash withdrawals with your debit card at all Banco Santander ATMs worldwide.
- 24 fee-free cash withdrawals with your 4b Diamond MasterCard Debit Card at ATMs of any other bank in Spain.
- Free-free cash withdrawals with your 4b Diamond MasterCard Debit Card at over 30,000 Banco Santander ATMs worldwide.
- A credit limit of up to €60,000 on your Diamond Visa Credit Card, offering you more flexibility to manage your expenses your way3.
- Choose to finance purchases and payments over €30 for 1 month interest-free at 0% APR1 and 0% annual NIR or, if you prefer, from 2 to 36 months at 10.0% APR2 and 9.57% annual NIR.
- Flexible repayments with your credit card: lump sum at 0% APR4 and 0% NIR, or in fixed or variable monthly instalments (17.12% APR5 and 11.39% annual NIR).
- Issuance of the Diamond Card Pack is free for the main holder and renewal is €55 per year. The issuance and renewal of additional Diamond Cards are free of charge.
- Enjoy quick purchases with the same security as ever through contactless payments – just hold your Diamond card near the payment terminal to pay.
- Receive free SMS payment confirmation alerts every time you make a purchase with your cards. To set up the service, call us on 91 177 33 10 or 900 22 32 42.
- Travel insurance with accident coverage, medical expenses, delays or lost luggage, and repatriation.
- Total protection against fraud with no excess whatsoever.
- Visa Luxury Hotel Collection: best rate guaranteed, free breakfast for 2 people, room upgrade on arrival, single Wi-Fi connection, late check-out, VIP treatment and much more! Reserve at es.myvisaluxuryhotels.com.
- Enjoy your trip knowing that Santander Seguros y Reaseguros and Zurich are with you.
You will have a period of fourteen (14) calendar days from the day on which the card is activated to withdraw from the contract. You will need to notify the bank in accordance with the procedure defined in the Standard European Credit Consumer Information (SECCI) that the bank will provide. In the event you decide to withdraw from the contract, you will have to pay the bank any outstanding balance on the card.
Please note that card approval is subject to a credit risk assessment.
In the event of non-payment, you will have to pay the Bank, once only and for each instalment that is due, unpaid and claimed, a late payment interest and a cost corresponding to the expenses of claiming debit positions in accordance with the information set out in the SECCI.
Apply for your Pack Diamond in just 4 steps
Want to learn more about the Diamond Card Pack?
Where can I withdraw cash for free?
What insurance does the Diamond Card Pack include?
Can I finance payments on my card?
Can you also finance other payments charged to the account associated with your card?
How much does the Diamond Card Pack cost?
What are the fees?
What about security?
How can I get my Diamond Pack (Credit and Debit)?
Can I take out the cards separately?
What is Open Discounts?
Where can you check the fees and interest rates for this card?
Need more information?
Where can I withdraw cash for free?
With your Diamond Mastercard Debit Card, you can withdraw cash for free:
- At any Banco Santander ATM. Plus, you have up to 24 free cash withdrawals at other cash points in Spain.
- At more than 30,000 Banco Santander ATMs around the world.
What insurance does the Diamond Card Pack include?
It includes three types of useful insurance: travel assistance insurance, fraud protection, and accident insurance. It protects holders of the Diamond Card Pack against flight cancellations or delays, as well as medical emergencies while travelling, with cover for holders + spouse / children + 5 people who travel with the cardholder.
Zurich Travel Assistance Insurance
Provided that the trip was paid for with any of the Diamond cards, it offers cover for international travel (national travel is excluded:
- Personal accident:
- €500,000 per person up to a maximum of 5 people
- Reimbursment of purchases made with the Diamond cards one year prior to the accident up to €6,000.
- Travel assistance: among other types of cover, it includes
- Accident or illness, for example, medical expenses up to €50,000, repatriation, up to €15,000 in hospital expenses in advance, up to €2,000 in accommodation for a family member, etc.
- Luggage/belongings: damage or theft up to €1,500, delay up to €600, stolen contents from hotel safe up to €200.
- Delayed transport: delays, cancellations, missed connections, etc.
- Third-party Liability: up to €90,000 with advance legal expenses up to €1,500.
See further details on this insurance here or, if you prefer, you can consult the simplified policy here.
Free insurance against fraud.
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From the moment you notify us, you will be protected against possible fraud with your Diamond Card. Maximum of two claims per year, with no excess. From the third incident, the excess is €50.
Travel Accident Insurance 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: €601,012.10.
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.
Can I finance payments on my card?
Of course, because the Diamond Visa Credit Card adapts to your needs.
- Pay in instalments:
Settle your payments in fixed or variable instalments. The minimum amount you can finance is 5% of your credit card limit, with a minimum instalment of €15.
The applicable interest rate is 0.95% monthly, 11.39% annual NIR (APR 17.12%).
Representative example for €1,500 drawn on 1st of the month, with financed payment option (revolving credit), and 48 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% NIR; 17.12% APR; 47 instalments of €39.05 and a final instalment of €39.23. Total amount of credit: €1,500. Total amount owed: €2,039.58. Total cost of credit: €539.58 - €374.59 in interest + €165 in renewal fees for 3 years. The calculation includes the card issuance fee: €0, and from the second year onwards, the renewal fee for cards is €55 each year. This example does not consider the possibility of any new drawdowns from the line of credit or any non-payments during this period. 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. French amortisation schedule. Therefore, for this specific example, the cash purchase price would be €1,500 and the total amount to be repaid in instalments would be €2,039.58. Please note that the monthly instalments are first and foremost used to pay off the agreed interests and charges and, secondly, to repay the amount borrowed; therefore, choosing reduced instalments may only cover repayment of the residual interest proportion of the credit.
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 purchases over €30 into various instalments, between 2 and 36 months.
The applicable interest rate is 0,79% monthly, 9,57% annual NIR (APR 10,00%).
Representative example for a financed purchase 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.
If you choose the full payment option, you will make a single payment, without interest or fees, of the full amount charged to your card and it will be settled in your account each month.
Can you also finance other payments charged to the account associated with your card?
Yes, you can finance a payment of €30 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 interest rate for a financed payment 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.
How much does the Diamond Card Pack cost?
The issuance of both Diamond cards is free for the main holder. Renew them for just €55 per year. Any additional cards you request are free and have no fees for issuance or renewal.
What are the fees?
Diamond MasterCard debit card.
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Withdraw cash at all ATMs in Spain: free
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Withdraw cash at over 30,000 Banco Santander ATMs around the world: free.
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Withdraw cash at other banks' ATMs in the EU: You will only pay the commission shown on the ATM.
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Withdraw cash at other banks' ATMs outside of the EU: 4.5% of the cash withdrawn (minimum fee: €3).
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Domestic transfers in euros, check balance and statements and top up your mobile phone at Banco Santander ATMs in Spain: free.
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Check balance and perform other transactions at other ATMs: €0.50 (single fixed amount).
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Purchase in foreign currencies: 3% of the amount.
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Monthly fee for alert service (text alerts of payments made with the card): free.
Diamond VISA Credit Card.
- Credit card cash withdrawals at ATMs: 3.90%. Minimum fee: €3.90. There may also be additional fees for:
- Cash withdrawals from other banks in Spain: You will only pay the fee indicated by the ATM.
- Cash withdrawals from other banks within the EU. You will only pay the fee indicated by the ATM.
- Withdraw cash at other banks' ATMs outside of the EU. 4.5% of the cash withdrawn. Minimum: €3
- Purchases in foreign currencies: 3% of the amount. Minimum: €2
- Transfer cash from your current account to your Diamond Visa Credit Card: free.
- Transfer cash from your Diamond Visa Credit Card to your current account: 3.90% of the amount transferred. Minimum: €3.90
- Monthly fee for alert service (text alerts of payments made with the card): free.
What about security?
With contactless technology, all you need to do is hold your Premium cards close to the terminal for automatic and secure payment. Plus, if the amount of the purchase is less than €50, you will not be asked to enter your PIN number.
Set up free SMS alerts to be instantly notified about any purchases made with your card. You’ll be sent an SMS message with the transaction amount.
You can also protect your online purchase by activating the 3D Secure Code system on the website. You’ll receive an SMS message with an alphanumeric code that allows you to authorise any online purchase you make.
How can I get my Diamond Pack (Credit and Debit)?
Apply for it here or by calling +34 91 177 33 37.
Once you have received your Diamond Pack, check the PINs online by logging in to the Customer Area. You can change it to one that is easier to remember.
Can I take out the cards separately?
The Diamond Pack consists of two cards:
- Credit card, called the Diamond Credit.
- Debit card, called the Diamond Debit.
If you want to take out the debit and credit cards separately, you have other options:
You can take out the Open Credit and Open Debit Cards separately. In the event of a separate application for each of the cards, the conditions for each individual product will apply.
What is Open Discounts?
They’re discounts you can get on top brands when you pay with your Openbank cards. Check them out here!
Where can you check the fees and interest rates for this card?
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 2 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.
Need more information?
We make it simple. Call us on +34 91 177 33 37 and our team of professionals will be glad to help with anything you need.
1 Representative example for a purchase of €200 financed over 1 month: 0% annual NIR, 0% APR. Lump-sum payment: €200. Total amount owed: €200. Total amount borrowed: €200. Total interest: €0. French amortisation schedule.
2 Representative example for a payment of €1000 financed over 12 months, made on the 1st of the month with 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. Annual NIR: 9.57%; APR: 10.00%; 11 instalments of €87.72 and a final payment 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.
3 Credit limit subject to prior approval by the Openbank Risk Department.
4 Representative example for €1,500 drawn with lump-sum payment at the end of the month: 0% NIR; 0% APR; total amount of credit: €1,500. Total amount owed: €1,500. Total cost of credit: €0. Card issuance fee: €0. Bear in mind that the APR will be subject to change the second year due to the issue fee of €55/year.
5 Representative example for €1,500 drawn on 1st of the month, with financed payment option (revolving credit), and 48 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% NIR; 17.12% APR; 47 instalments of €39.05 and a final instalment of €39.23. Total amount of credit: €1,500. Total amount owed: €2,039.58. Total cost of credit: €539.58 - €374.59 in interest + €165 in renewal fees for 3 years. The calculation includes the card issuance fee: €0, and from the second year onwards, the renewal fee for cards is €55 each year. This example does not consider the possibility of any new drawdowns from the line of credit or any non-payments during this period. 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. French amortisation schedule. Therefore, for this specific example, the cash purchase price would be €1,500 and the total amount to be repaid in instalments would be €2,039.58. Please note that the monthly instalments are first and foremost used to pay off the agreed interests and charges and, secondly, to repay the amount borrowed; therefore, choosing reduced instalments may only cover repayment of the residual interest proportion of the credit.