Visa Gold
How does it work?
What's the best part?
What else?
What do I get?
You decide how to pay… and when
The Visa Gold credit card allows you to make all your usual payments and purchases at online stores or physical establishments in any country, without worrying about borders.
You can choose to pay everything at the end of the month, split the payment for all your transactions, or select those you want to pay more comfortably.
Plus, thanks to its contactless technology, you can make more convenient and faster purchases, and you can also use it to pay with your mobile using Apple Pay, Google Pay, or Samsung Pay.
Having a VISA Gold card projects an image of solvency and gives you access to various advantages and benefits that we explain below.
Flexibility for your purchases
The Visa Gold credit card and the ABANCA app are all you need to organize your purchases.
Pay at the end of the month? Or maybe little by little, over several months? Split a single purchase or all of them? Or perhaps you want to choose your own monthly payment.
If you pay, you choose how to do it.
Everything from your mobile
- Turn your card on and off
- Set spending limits for online purchases or cash withdrawals
- Withdraw cash on credit or debit, you choose
- Receive instant notifications for every purchase
If you need it, you can grant yourself money
As a Visa Gold cardholder, you can access the Dinero Express service, a simple and immediate way to transfer funds from your credit card to your account and repay it in 6, 10, or 12 months. No paperwork, no formalities.
And defer your purchases
In addition, the Visa Gold card includes the payment installment service, which allows you to defer the purchases you make with your ABANCA credit card, wherever you make them, from 3 to 36 months. That is, you can buy a vacation in Mexico with this Visa Gold and, with complete peace of mind, pay for it in comfortable installments.
Simulate payment with fixed revolving installment
How much money do you need?
Tell us how much you want to pay with the card. Based on that amount and how much you want to pay each month, we provide a simulation of how much you would pay in total and for how long.
How much do you want to pay each month?
We need you to tell us how you want to repay the card expenses each month. You can choose to pay a higher amount, a medium one, a lower one, or customize it to your liking. Keep in mind that a higher monthly payment means you will finish repaying the card debt sooner and pay less interest. Conversely, a lower monthly payment means increasing the number of months you will be paying and the total interest applied. This simulator will allow you to study the cost of each alternative and choose the one that best suits you. The last two monthly payments may be different because they will correspond to the payment of the remaining principal and its corresponding interest.
How did we calculate this simulation?
We calculated the simulation assuming you make a purchase today for the amount you indicated and that you will repay it according to the monthly payment you selected. We assume you will not make any further transactions with the card and that you will pay all monthly payments on time. In each settlement period, we calculated the daily average balance of the card's principal debt and applied the interest rate for this card type. We have also included, where applicable, the card issuance/maintenance fee. With all this, we have obtained the interest and commission costs shown to you and calculated the corresponding APR.
This is an indicative simulation of what you would pay for a transaction with the characteristics you have indicated, based on the information you have provided. The simulation does not imply that ABANCA is obliged to grant you a credit card. If you eventually contract a credit card, its conditions may differ from those of this simulation if we have additional information about your preferences or financial situation.
Your cards and the ABANCA Services Program
Did you know you might not pay a single cent for your card? That’s one of the benefits of the ABANCA Services Program. If you meet a few simple requirements, you can enjoy advantages like this and many others if you reach the Premium level.
Great discounts on your purchases
By using your Visa Gold credit card, you can also take advantage of various discounts on purchases, as well as enjoy free insurance coverage.
For example, you’ll get a 5% discount at participating Galp service stationsYou will be redirected to another website with a monthly limit of €600 per customer. At other gas stations, you’ll receive a 2% discount if you make 5 additional payments with your Visa Gold card at any establishment (except gas stations or toll payments) during the same month. Check the terms and conditions hereView PDF file.
Additionally, with your credit card you’ll benefit from the EURO 6000 Plus program, with discounts and cashback at hotels, travel, and other establishments. Just for using your card! See all discounts and participating brands.
Free insurance
Just by owning this credit card, you already have several linked coverages, completely free of charge. For example:
Insurance for your transactions
Insurance for ATM theft or robbery and also for fraudulent use of your card, in case you have lost it or it has been stolen.
Insurance for your trips
Travel assistance insurance when you purchase your ticket with your Visa Gold card. This insurance covers travel or baggage delays, cancellation, hotel immobilization, repatriation, delays, reimbursement of medical expenses, assistance for baggage damage, and more.
An accident insurance with coverage up to €500,000.
You can check the coverage of these insurance policies in the annexes of this product's information sheet, which we include at the bottom of this page. And if you need to report an incident, we explain how you can do it without leaving home.
¿Tienes preguntas? Nosotros respuestas
Questions
Tu VISA OroIt will open in a new window tiene un coste anual de 75 € por tarjeta titular y 40 € por tarjeta de persona beneficiaria.
Cuando retires dinero con la VISA Oro tanto en cajeros como en oficinas se te cobrará una comisión por disposición a crédito del 4% de lo que has retirado, con un mínimo de 4 €. Al realizar las retiradas de efectivo en otras entidades, nacionales e internacionales, se te cobrará además la comisión por disposición de efectivo que te aplique la entidad propietaria del cajero.
En cajeros nacionales, la entidad del cajero te informará del importe de la comisión que te aplique antes de realizar la operación, para que puedas confirmarla o anularla.
En las compras y retiradas en efectivo que pagues con la tarjeta en una moneda distinta del euro se aplicará una comisión del 3% del importe total de la operación.