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Openbank Reading Club by Vanity Fair
Monthly recommendations, podcasts, interviews and exclusive events.
100% recycled card and no need to switch banks
All you need to do is link the card to the account of your choice at your current bank.
Travel benefits by flexible subscription
You can turn on your subscription for €7.99/month and turn it off whenever you want.
Get a free book journal as a welcome gift!
You can keep a detailed and orderly log of all the books you read.
No need to switch banks
- How does it work? It's simple! All you need to do is link your credit card to the account you hold at your current bank.
- Apply for it online whenever1 and wherever you want. Free issuance and only €5 renewal fee each year (0% annual NIR, 0% APR2).
- As an Openbank customer, you can take advantage of these benefits: Open Discounts, pay with your mobile or sports watch3, Financial Aggregator, Expense Categorisation….
Turn on your travel benefits
- Turn on your subscription for €7.99/month. You can turn it off whenever you want so you won't be charged the month after. Take advantage of the following travel benefits:
- No fees for purchases made abroad, or for paying in a currency other than euro4
- 5 fee-free cash withdrawals a month at any ATM… anywhere in the world!
- Travel with peace of mind thanks to travel assistance and accident insurance5.
Your lifestyle in a card
- Pocket savings doing what you love! Get discounts on brands and related products including Kobo and Condé Nast, among others.
- Buy now, pay later with no interests (APR: 0%)6: You can settle your purchases and payments of at least €30 one month later with no interest on the website or app. Or, if you prefer, you can choose a repayment term of 2 to 36 months (annual NIR: 14.00%; APE: 14.93 %)7.
- Maximum security. Customise the security of your card using our Card Control service and keep your passwords and secret information safe with our Password Manager.
1 Bear in mind that card approval is subject to a risk analysis.
2 0% annual NIR, 0% APR. Representative example of €1,500 drawn with lump sum payment at the end of the month: 0% NIR; 0% APR; Total amount borrowed: €1,500. Total amount owed: €1,500. Total cost of credit: €0. Card issuance fee: €0.
The APR may vary depending on the repayment method selected: financed payment in fixed or variable instalments (revolving credit) or financed purchase for at least €30 over 2 to 26 months. For further information on the conditions of other repayment methods, visit openbank.es/en. Please note that the APR of your card will change the second year due to the renewal fee of €5/year.
3 You will need to activate the NFC feature to use this service on an Android device.
4 Visa may apply a margin to the European Central Bank reference rate.
5 Insurance arranged with Zurich Insurance PLC, Sucursal en España.
6 Representative example for a purchase of €200 settled one month later: annual NIR: 0%; APR: 0%. Monthly repayment: €200. Total amount owed: €200. Total amount borrowed: €200. Total interests: €0. French amortisation schedule.
7 Representative example for a financed purchase of €200 made on 1st of the month, with the regular payment option and 3 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: 14.00% annual NIR; 14.93% APR; 2 instalments of €68.23 and a final instalment of €68.22. Total amount borrowed: €200. Total amount owed: €204.68. Total cost of credit: €4.68. 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 amortization schedule. Therefore, for this specific example, the cash purchase price would be €200 and the total amount to be repaid in instalments would be €204.68.
This is what you’ll need during the application process. Have the following to hand:
ID document
Device with camera and microphone
Proof of income
Need more information? Call us on 91 177 33 37 or 900 22 32 42 at any time, any day.
Want to learn more about the Openbank Reading Club Card by Vanity Fair?
What is the Reading Club?
It is a reading club where you can you share your passion for reading with other people. Each month there is a featured book and another 4 recommended books. Plus, you can listen to podcasts, expert book reviews and interviews with authors, and even get the chance to see them live at exclusive events.
What is the Reading Club Card?
The Openbank Reading Club Card by Vanity Fair is a credit card. It is completely free to take out (0% annual NIR, 0% APR2) and only costs €5 each year to renew.
You can finance your purchases and benefit from contactless payment simply by holding your card close to the terminal.
Plus, you can take advantage of exclusive travel benefits via a flexible subscription. You can turn them on to benefit from improved terms and conditions for ATM cash withdrawals, purchases in other currencies, and even special travel insurance. And when you no longer want them, all you need to do is turn them off.
And best of all... you don't have to switch banks. All you need to do is link the account you hold at your current bank to the Openbank Reading Club Card by Vanity Fair.
All this, with maximum security. Get peace of mind with our 3D Secure Code system and free payment confirmation alerts by SMS.
How much does the Reading Club Card cost?
It is completely free to take out (0% annual NIR, 0% APR2) and only costs €5 each year to renew. The 3D Secure Code system and free SMS payment alerts are also free. You can turn on your travel benefits for €7.99/month and turn them off whenever your want.
How do you turn the subscription travel benefits on and off?
You can benefit from exclusive travel benefits at any time. Turn them on from the Openbank website or app for just €7.99 a month, and when you no longer need them, just turn them off and the subscription will not be renewed the following month.
What are the advantages of turning the travel benefits on?
On top of its advantages as a credit card with no need to switch banks, when you turn on the travel benefits, you get better terms and conditions for using it on your trips. For just €7.99/month, you can benefit from:
- Cash withdrawals worldwide: 5 free cash withdrawals from any ATM around the world.
- Purchases in non-euro currencies: Free.
- Accident insurance (see policy): Included.
- Travel insurance (see policy): Included.
You can turn the travel benefits off whenever you want, but bear in mind that the following will be applied:
- Cash withdrawals in Spain and within the EU: 3.90% of the amount withdrawn (minimum: €3.90) and the applicable fee indicated by the ATM.
- Cash withdrawals outside the EU: 4.5% of the amount withdrawn (minimum: €3) and the applicable fee indicated by the ATM.
- Purchases in non-euro currencies: 3% of the amount (minimum: €2).
- Accident insurance: Not included.
- Travel insurance: Not included.
Does it include any insurance?
If you turn on the exclusive travel benefits, you can take advantage of travel assistance insurance that covers claims, among others, for delayed flights or damage to your luggage, as well as international medical assistance. You will also be entitled to accident insurance for public transport that covers death and permanent disability (partial or total) for up to €100,000, provided by Zurich Insurance PLC, Sucursal en España, as long as the transport ticket was purchased by the Openbank Reading Club Card by Vanity Fair.
For further information, see the insurance policy here or, if you prefer, you can consult the simplified version here.
Can you finance card payments?
Of course! The lump-sum payment method is set by default, but you are free to choose a different repayment option to accommodate your needs.
Payment in instalments:
Settle the payment in fixed or variable instalments. The minimum amount you can finance is 5% of your card’s credit limit, with a minimum instalment of €15.
The applicable interest rate for paying in instalments is 18.00% annual NIR (19.56% APR).
Example: For €1,500 drawn on 1st of the month, with financed payment option (revolving), 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: 18.00% NIR; 19.56% APR; 47 instalments of €44.06 and a final instalment of €44.25. Total amount borrowed: €1,500. Total amount owed: €2,115.07. Total cost of credit: €615.07. The calculation includes the card issue 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. 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 price would be €1,500 and the total amount to be repaid in instalments would be €2,115.07.
Openbank recommends responsible use of this service.
Finance your purchase:
You can settle your purchases and payments of at least €30 one month later with zero interest (APR: 0%)A or split them over 2 to 36 months (annual NIR: 14.00%; APR: 14.93 %)B.
A Representative example for a purchase of €200 settled one month later: annual NIR: 0%; APR: 0%. Monthly repayment: €200. Total amount owed: €200. Total amount borrowed: €200. Total interests: €0. French amortisation schedule.
B Representative example for a financed purchase of €200 made on 1st of the month, with the regular payment option and 3 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: 14.00% annual NIR; 14.93% APR; 2 instalments of €68.23 and a final instalment of €68.22. Total amount borrowed: €200. Total amount owed: €204.68. Total cost of credit: €4.68. 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 amortization schedule. Therefore, for this specific example, the cash price would be €200 and the total amount to be repaid in instalments would be €204.68. Openbank recommends responsible use of this service.
If you have an Openbank account, you can also finance payments you make with this account.
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.
What is Open Discounts?
They are exclusive discounts you get when you pay with your Openbank Reading Club Card by Vanity Fair on top brands including Condé Nast, Iberia, AVIS and plenty more. Check out the brands that offer discounts here.
What other features does the Reading Club Card offer?
The Openbank Reading Card by Vanity Fair has a range of features including:
- Card Control: a free service that allows you to temporarily restrict the use of the card by location or transaction type. For example, you can restrict its use in a certain country, enable in-store purchases only or decide how you use it at ATMs.
- Password Manager: a secure and free space where you can store and keep all your passwords, data or any other information safe. It's available on the Openbank website and app, so you can access your secret information anywhere and whenever you want.
- Financial Aggregator: a service that keeps all your finances in one place, available at a glance and sorted into categories. All your accounts will be connected in a secure environment and your balances and transactions constantly updated.