Premium Card Pack (credit and debit)

Withdraw cash with your Premium debit card with no fees at Banco Santander and Popular ATMs.

The Visa Premium card gives your more credit and better loan facilities to make your payments flexible.

It protects you against fraud, for assistance, travel and purchases, etc.

For your on-line purchases and free text payment confirmation alerts.

Santander ATMs free and flexibility of payment

Withdraw cash with no fees at all Banco Santander and Popular ATMs in Spain, with your Premium debit card.
Limit of up to 12.000€. On your Visa Premium so you have more credit to manage your expenses the way you want to.
Flexibility of payment, so you can choose how to pay your expenses: Total payment with no fees or interest or deferred payment in fixed or variable monthly instalments or defer a single major purchase and choose to defer it for between 2 and 36 months.
Excellent financing with NIR monthly 0,95%, annual 11,39%, 12,00% APR. One of the best interest rates on the market.
The issue and renewal of additional Premium cards is free. The pack costs 59€ a year for the main holder.

Fast and Secure

Contactless Technology, hold your Premium cards close to the payment terminal and the payment will be performed more quickly and with the same security as always. And if the amount of the purchase is less than 20€, you will not be asked to enter your PIN number.
Secure E-Commerce (SEC) to protect your Internet purchases. We send you an SMS message with a code to validate each online purchase that you make with your Premium cards.
SMS Alerts at no extra cost. Every time you make a purchase with your cards, you will receive a message on your mobile phone with the details of the transaction performed. Call and request this service, it's free.

Multiple top level Insurance Policies

The insurance policies that come with the Premium cards are arranged with leading companies, such as Santander Seguros y Reaseguros, S.A., AIG and Legálitas against fraud, and for assistance and guarantees when travelling, hiring a car and in your purchases…
Travel assistance and guarantee insurance, with the guarantees of these insurance policies, including medical assistance, loss of luggage, repatriation, etc. What's more, if you pay for your tickets or car hire with your Premium cards, you will have accident insurance.
Protection and fraud insurance: Protected purchase, theft of cash withdrawn from an ATM, 12-month warranty extension of whatever you buy with them. We cover fraudulent charges on your Premium cards from the moment you notify us of this, without any type of excess.

See Pre-contractual information for the Premium Card Pack application

Apply for your cards

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.

Confirm your identity

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

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 Premium Card Pack?

What insurance does the Premium Card Pack include?

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€.
- It 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.

Can I defer the payments on my card?

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

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 “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 133,55€ and a final repayment of 133,57€. Total amount of the credit: 1.500€ Total amount owed: 1.602,62€ Total cost of the credit: 102,62€ The card issuance fee of 135€ 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 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 “Deferring 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.

How much do the Premium Debit and Credit Cards cost?

The issuance and renewal of both Premium cards is 59€ per year for the holder. Any additional cards you request are free.

What fees are there?

Premium MasterCard debit card.

Withdraw money from over 7.500 Banco Santander and Popular 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, which will never be greater than 0,2% of the cash that you withdraw, plus 1,30€.
Withdraw cash at other banks' ATMs outside of 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 and Popular 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% of the cash withdrawn (minimum: 3€.)
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, which will never be greater than 0,20% of the cash that you withdraw, plus 1,30€.
Withdraw cash at other banks' ATMs outside of 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% of the amount transferred. Minimum: 3€
Monthly fee for alert service (text alerts of payments made with the card): free.

What about security?

With Contactless technology, you will only have to move your Premium cards close to the pay terminal and they will be charged automatically with total security. You will only need to enter your PIN in purchases of more than 20€.

Activate our alerts service (it's free), and every time you purchase something you will immediately receive a text message on your mobile with the amount of the transaction.

You can also protect your on-line purchases by activating Secure E-Commerce (SEC) on our website. You will receive an alphanumerical code by text with which you will be able to check each on-line purchase that you make.