Premium Card Pack (credit and debit)

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

Travel assistance insurance agreed with Legalitas.

• Delayed departure. If there is a delay of more than four hours, it includes emergency purchases. Maximum indemnity: €250..

• Cancellation of travel owing to illness, death, etc. Maximum indemnification. €2,000..

• Medical expenses if you fall ill or have an accident during the trip. Maximum expenses: €15,000.

• Lost luggage. Finding and transporting luggage and personal effects: €60 item. Maximum indemnification: €1,202..

• Theft and material damage to luggage: €0 item. Maximum indemnification: €1,202

• Telephone Legal Assistance by Lawyers: up to €12,002.

• 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 agreed with AIG.

• Your purchases protected.

  • This covers all your purchases on the Internet (products not delivered, damaged or that do not correspond with the items you purchased). It includes the replacement of the product or its refund up to a maximum of €1,000..

  • TIt also covers damage and theft of whatever you buy in shops up to a maximum of €1,000 in the first two months after the purchase. . 

• Robbery at an ATM.

  • This covers cash that has been stolen up to eight hours after its withdrawal. Maximum indemnity: €250

• One year's additional warranty

  • In addition to the two year warranty established by law, the insurance offers you 12 months of additional warranty for any product that you have purchased with the card. Maximum capital guaranteed: €1,000

See further details on this insurance.

Free insurance against fraud.

• From the moment you notify us you will be protected against possible fraud with your Premium cards. Maximum two reports per year, with no deductible. From the third loss the excess is €150.

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

• This protects the cardholder and a maximum of five additional persons, in the event of travel accidents with tickets (or car hire) paid by card.

• Cover in the event of accidents on public transport (or with car hire) paid by credit or debit card.

See further details on this insurance.

Of course, because the Premium Visa Credit Card adapts to your needs.

• Deferred payment: 

Defer the payment of what you spend with fixed or variable repayments. The minimum you can defer is 5% of the credit limit of your card, with a minimum repayment of €15.

The interest rate for “Deferred payment” is 0,95% monthly, 11,39% annual NIR (APR 12,00%).

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: 11,39%;  APR 12,00%; 11 repayments of €132.85 and a final repayment of €132.81. Total amount of the credit: €1,500. Total amount owed: €1,594.16. Total cost of the credit: €94.16. The calculation takes into account the amount of the fee for issuing the card, which is €0. This example does not anticipate the existence of new uses of the credit line at this time, nor incidents with payments

• Defer your purchase:

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

The interest rate for “Defer your purchase” is 0,79% monthly, 9,57% annual NIR (APR 10,00%).

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: 9,57%; APR 10,00%; 11 repayments of €87.72  and a final repayment of €87.67. Total amount of the credit: €1,000. Total amount owed: €1,052.59. Total  cost of the credit: €52.59. 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.

The monthly interest rate for “Pay later” is 0,79% monthly, 9,57% NIR (APR 10,00%).

Example: For a “Pay Later” the following month of €1,000 at a nominal annual interest rate of 9,57%; APR 10,00%. The calculation of interest assuming 31 days of deferment of the repayment until the following settlement is €7.97, assuming a total amount of the credit: €1,000.00. Total amount owed: €1,007.97. Total cost of the credit: €7.97. 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 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.

Yes, you can defer a payment of more than €60 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 defer payments for the last 3 months that are shown in the list of transactions using the ‘Defer your payment’ option - ask to do so on either the website or app.

The interest rate for deferred payment is 0.79% monthly, 9.57% annual NIR (APR 10.00%). Example: For a deferred purchase of €1,000 over 12 months, made on the 1st of the month, with a regular payment method involving a fixed repayment in 12 months, on the presumption that there are no more deferred purchases in that period and the contractual terms have not been breached. Annual nominal interest rate: 9.57%; APR 10.00%; 11 repayments of €87.72 and a final repayment of €87.67. Total amount of the credit: €1,000. Total amount owed: €1,052.59. Total cost of the credit: €52.59. The APR and total amount that you must pay are calculated on the presumption that the contract will remain in force for its entire term and that the parties comply with their obligations in accordance with the terms and deadlines agreement.

The issuance of both Premium cards is free for the main holder. Renew them for just €59 per year. Any additional cards you request are free and have no fees for issuance or renewal.​​​​​​​

Premium MasterCard debit card.

• Withdraw money from over 7,500 Banco Santander ATMs in Spain: free.

• Withdraw cash at other banks' ATMs in Spain: you will only pay the fee shown at the ATM.

• Withdraw money at the ATMs of other banks in the EU: you will only pay the fee shown at the ATM.

• Withdraw cash at other banks' ATMs outside the EU: 4.5% of the cash withdrawn (minimum: €3.50).

• Make domestic transfers in euros, check balance and statements and top up your mobile phone at Banco Santander ATMs in Spain: free.

• Check balance and perform other transactions at other ATMs: €0.50 (single fixed amount).

• Purchasing in foreign currencies: 3% of the amount.

• Monthly fee for alert service (text alerts of payments made with the card): free.

Premium  VISA Credit Card.

• Withdraw cash on credit at ATMs: 3.90% of the cash withdrawn (minimum: €3.90).

• Withdraw cash at other banks' ATMs in Spain: you will only pay the fee shown at the ATM.

• Withdraw cash at other banks' ATMs in the EU. You will only pay the commission shown at the ATM.

• Withdraw cash at other banks' ATMs outside the EU: 5% of the cash withdrawn. Minimum fee: €3.

• Purchasing in foreign currencies: 3% of the amount. Minimum fee: €2.

• Transfer cash from your current account to your Premium  VISA Credit Card: free.

• Transfer cash from your Premium 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.

Apply for it here or by calling +34 91 177 33 37.

Once you have received your Premium Pack, check the PIN of your cards on-line by accessing the Customer area. You can change it for one that is easier for you to remember.

These are exclusive discounts that you enjoy when paying with your Openbank cards at major brands such as Galp, Telepizza, Iberia, Cortefiel, Women'secret, VIPS, Cines Cinesa, Yelmo and Kinépolis, Europcar, Booking.com and many more. Discover all the brands with discounts here.

We make it extremely simple for you. Call us on +34 91 177 33 37 and our team of professionals will give you any assistance you require.​​​​​​​