Bankintercard Spain is the consumer-finance credit card range marketed by Bankinter Consumer Finance (BKCF).
Because Bankintercard is a range, the exact benefits and costs depend on the specific card you choose and the payment mode you activate. This guide explains the common features you’ll see across Bankintercard cards.
What “Bankintercard” Covers in Spain
Bankintercard Spain is presented as a set of credit cards with separate pages and conditions per product.
The catalog includes options like Tarjeta DeViajes, Tarjeta Fracciona, Tarjeta Supermercados, and Tarjeta DeMascotas.
It also has co-branded cards like Vodafone, Air Europa SUMA, MAPFRE, and Moeve.
A practical takeaway is that you should always check the “condiciones” (conditions) on the specific card page before applying.
| Bankintercard (Spain) | Best user (ideal fit) |
|---|---|
| Tarjeta DeViajes | Frequent travelers, especially outside the eurozone, who want no FX-change fee on purchases and value included travel assistance/accident coverage. |
| Tarjeta Fracciona | People who often need to split specific purchases and want the Fin de Mes “fracciona” option without interest (within the stated limits) rather than carrying long-term revolving balances. |
| Tarjeta Supermercados | Households with high supermarket spending who want cashback at participating supermarkets (with a monthly cap) and will choose the payment mode that matches their budget. |
| Tarjeta DeMascotas | Pet owners who regularly spend at pet shops and veterinary/clinic categories, since its highlighted return is tied to those merchants (plus a lower return on other purchases). |
| Tarjeta VISA Vodafone | Vodafone customers who want their everyday card spending to translate into discounts on their Vodafone bill, especially if they use the card consistently. |
| Tarjeta VISA Air Europa SUMA | Air Europa flyers (or anyone focused on that loyalty program) who prefer earning miles per euro spent, with higher earning rates tied to Air Europa purchases and the chosen payment mode. |
| Tarjeta Club MAPFRE | MAPFRE customers who want to accumulate Tréboles (as described) that can be used as discounts toward policy renewal, rather than generic cashback. |
| Tarjeta Mastercard Moeve gow | Drivers (and EV users) who refuel/charge often at Moeve/Cepsa stations, aiming to maximize per-liter/per-kWh savings and in-station spending benefits. |
| Tarjeta Línea Directa Aseguradora | Línea Directa insurance customers who want card spending to become discounts applied to policy renewal, instead of travel miles or supermarket cashback. |
Key Benefits of Bankintercard Spain
You’ll usually see this with Bankintercard.
1) Multiple payment modes, including “Fin de Mes”
Bankintercard card contracts typically allow you to choose a general payment mode on activation.
Includes Pago Fin de Mes (paying the statement in full) and Pago Aplazado (“Revolving”) (paying in monthly installments).
On some Bankintercard products, Pago Fin de Mes is described as “sin intereses (0,00% T.A.E.)” for purchases when you repay in full.
2) Ability to change how you pay
Bankintercard explains that you can change the payment mode (and, for revolving, the monthly quota settings).
This can be done through the web/app or by phone, following the timing rules in the conditions.
3) App-based management and mobile payments
App Bankintercard includes checking information, transferring cash to your account, financing purchases, and activating/deactivating cards.
They also state support for “las principales plataformas de pago móvil” (main mobile payment platforms).
4) Card-specific rewards (example: supermarket cashback)
The Tarjeta Supermercados page describes cashback percentages that depend on whether you use revolving or pay at the end of the month.
Amonthly cap and exclusions exist for certain transaction types.
That doesn’t mean all Bankintercard cards offer the same cashback—so treat these as examples tied to the specific product page.
Interest Rates and Costs
Spain commonly shows card pricing as T.I.N. (Tipo de Interés Nominal) and T.A.E. (APR equivalent that includes costs in a standardized way).
Bankintercard Spain publishes these figures per payment mode and transaction type.
- Example A — Purchases paid in full (Fin de Mes): Some Bankintercard cards describe Pago Fin de Mes as 0,00% T.A.E. for purchases when you repay the statement in full.
- Example B — Revolving for purchases and cash transfers: For at least one Bankintercard product page, the revolving mode for purchases and cash transfer to your current account is shown as 20,55% T.I.N. (22,60% T.A.E.).
- Example C — Cash withdrawal at ATMs on credit: That same product page lists cash withdrawal at ATMs on credit as 13,58% T.I.N. (16,98% T.A.E.).
- Example D — Cash withdrawal commission (fees): The same page includes an example with a 4,00% commission on ATM cash withdrawal (minimum 3,00 €), which affects the total cost.
Some products show an ATM cash withdrawal commission (example: 4,00% min 3,00 €) plus separate interest pricing for cash withdrawals.
Some cashback benefits are capped monthly and may exclude certain transaction types.
Requirements to Apply to Bankintercard Spain
There are two baseline requirements: Be of legal age and have a bank account to link payments for the card charges.
It also states that applications involve a risk assessment and that you should provide complete and truthful information.
On the same product flow, identity document types shown include DNI/NIF or NIE / Tarjeta de residencia, along with mobile number and email.
How the Application Process Works
Start by choosing the product that fits how you’ll use it, because rewards and conditions can change significantly by card.
For Tarjeta Fracciona, Bankintercard describes the request as 100% online, requiring your DNI and mobile.
Bankinter explains that approval includes an analysis of risk and that credit limits are assigned based largely on your capacity to meet payments.
For Tarjeta Fracciona, the conditions section also states that the credit limit is assigned according to the issuer’s credit and solvency analysis.
App access and virtual card (when offered)
For Tarjeta Fracciona, Bankintercard states that once approved, you receive an SMS to download the app.
The virtual card appears after registration, so you can add it to a mobile payment app without waiting for the physical card.
Set your payment mode and manage it over time
Bankintercard pages describe choosing a payment mode at activation (for example, Fin de Mes vs Revolving).
They explain you can later change it using the app/web or by phone, subject to the timing rules stated.
Official Phone Numbers and Addresses
Bankinter Consumer Finance (Bankintercard issuer for many cards)
- Customer phone (clients): 900 811 311
- Phone (not yet a client): 911 295 294
- Issuer legal address shown on card conditions (example page): Avda. de Bruselas 12, 28108 Alcobendas (Madrid)
Bankinter, S.A. (Bankinter group bank – corporate contact)
- Corporate address: Paseo de la Castellana 29, 28046 Madrid
- Corporate phone: 91 339 75 00
- Customer service: 900 80 20 81
Conclusion
Bankintercard in Spain is best understood as a family of credit cards, with different features depending on the product.
If you want to move forward, use the official online application flow and keep the support numbers handy.
Disclaimer: This article is for general information and is not financial advice. Always review the official precontractual information and conditions for the specific Bankintercard product you choose, because rates, fees, and eligibility can change over time.
