Benefits of the MyCard credit card
This is everything MyCard can do for you
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Control and protection
Control when your purchases are charged, change the payment method, activate or deactivate your card, and view the details in the app.
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Extra credit for unforeseen expenses
If your limit is used up and you have sufficient funds in your associated account, you can have up to an additional €3,000 to cover unforeseen expenses quickly and easily, provided that the payment method is next day or two days.
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€0 issuance and maintenance fees
No fees for the first year. After that, there is still no maintenance fee if you meet any of the following conditions: you spend more than €3,000 a year, you are under 26 years old, you defer or split purchases, or you are part of the Día a Día programme.
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Compatible with mobile and watch payments
Download your MyCard to your mobile or smartwatch and pay for your purchases without having to carry your physical card by using Google Pay, Samsung Pay, Apple Pay, Garmin Pay or Swatch Pay.
Get money back at petrol stations
Pay at petrol stations with your MyCard and get cashback:
- 3% on purchases at participating Shell-Disa service stations.
- 2% on purchases at participating Galp service stations.
How you can apply for your MyCard card
Steps to follow to request your MyCard card
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Sign in to the CaixaBank app or website
Go to the “Apply” and “Cards” sections and select “MyCard”.
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Read and set up
Read the documents, set up your preferences and accept the Terms and Conditions.
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Sign the contract
If you decide to cancel after signing, you have 14 calendar days to do so.
FAQs about the MyCard
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You can see your credit limit by following these steps:
- Sign in to your account on the Caixabank website or app.
- Go to the Cards section.
- Click on your MyCard.
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Check your card’s available balance in real time via the CaixaBank website or app, in the "Upcoming MyCard Charges" section of your linked account.
View your purchases and their scheduled payment dates so you'll always know your remaining balance after all pending payments.
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Settlement is the moment when the total amount of your purchases is charged to your account, depending on the selected payment method.
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Split payments allow you to repay purchases in several instalments. It can be activated:
- After the purchase (with a 1-month grace period). You can choose to pay in instalments for between 3 and 13 months for purchases under €600. For purchases of €600 or more, you can choose to repay them within the following timeframes: In 16, 19, 22 or 25 months.
- Before the purchase so that they are split automatically (without a grace month). You can choose to pay in instalments of between 2 and 12 months for purchases under €600. For purchases of €600 or more, you can choose to repay them within the following timeframes: In 15, 18, 21 or 24 months.
Amounts that can be paid in instalments:
- You can split purchases of €40 or more up to your card's credit limit.
- You can split bills of €50 or more up to your card's credit limit.
You can see an example of instalment payment in the details at the bottom of the page.
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This declaration is based on the Flexibility and Payment Options Study for Credit Cards from Spanish Banks by INTELIENS, published in October 2024.
You can read the report in full for more information.
We explain the details of the MyCard card
Advert to incentivise the use of instalment payments.
Fees and costs
Annual maintenance: €48 (free for the first year or if you meet the terms of use).
Card duplicate: €4.
Cash withdrawals on debit:
- ATMs/branches of CaixaBank and other national networks: no charge.
- ATMs/branches in other European Economic Area countries: 4.50 % (minimum €4.00/per transaction).
- ATMs/branches in countries outside the European Economic Area: 4.50 % (minimum €4.00/per transaction).
CaixaBank Payments & Consumer may charge you all or part of the fee that we have had to pay to the company that owns the ATM, if you have withdrawn cash using the card.
Cash withdrawals on credit:
- ATMs/branches of CaixaBank and other national networks: 4.50 % (minimum €4.00/per transaction).
- ATMs/branches in other European Economic Area countries: 4.50 % (minimum €4.00/per transaction).
- ATMs/branches in countries outside the European Economic Area: 5.00 % (minimum €4.00/per transaction).
If the ATM transaction is carried out at another bank and the ATM operator charges a fee for that service, we may charge you all or part of that fee.
Advert to incentivise the use of instalment payments.
Example for a financed purchase of €1,500
If you choose to pay at the end of the month without instalments, you will pay:
- €1,500 in total (i.e., the total amount owed).
- €0 interest, that is: 0 % APR , 0% NIR.
Example of a split payment for a purchase of €1,500
The instalment or split payment option lets you choose how long to take to repay purchases. Split payments can be activated before or after making the purchase:
If you choose to activate the split payment before the purchase (without a 1-month deferral), you can choose one of the following repayment periods:
- From 2 to 12 months.
- In 15, 18, 21 or 24 months.
If you choose to split after the purchase (with a 1-month deferral), you can choose one of the following repayment periods:
- From 3 to 13 months.
- In 16, 19, 22 or 25 months.
If you activate the automatic split payment before the purchase and choose to repay it in 12 months (no deferral). You will pay:
- €1,670.88 in total (i.e., the total amount owed).
- €1,500 for the price of the purchase (i.e., the total amount of the credit).
- €170.88 in interest (i.e., the total cost of the credit).
- 22.42 % APR and 20.40 % NIR.
- In 12 instalments of €139.24 each.
If you activate the split payment after the purchase and choose to repay it in 13 months (12 payments + 1-month deferral). During the deferral period, interest accrues on the principal. You will pay:
- €1,699.26 in total (i.e., the total amount owed).
- €1,500 for the price of the purchase (i.e., the total amount of the credit).
- €199.26 in interest (i.e., the total cost of the credit).
- 22.42 % APR and 20.40 % NIR.
- In 11 instalments of €141.61 each + 1 instalment of €141.55.
After the purchase, with a 1-month deferral. The repayment period may be between 3 and 13 months, or 16, 19, 22 or 25 months.
In both examples, the straight-line repayment system is used.
Example of deferred payment (revolving) for a loan of €1,500 with a repayment period of 48 months
You will pay:
- €2,206.23 in total (i.e., the total amount owed).
- €1,500 for the price of the purchase (i.e., the total amount of the credit).
- €706.23 in interest (i.e., the total cost of the credit).
- 22.42 % APR and 20.40 % NIR.
- In 47 payments of €45.97 each + a final payment of €45.64.
The straight-line repayment system is used.
This calculation assumes you won't make any new purchases that increase your debt and that the credit is used at the beginning of the period.
Find out more details about deferred (revolving) payments.
Conditions of the "Split your purchases into 3 interest-free instalments" promotion
Until 31st December 2026, if you sign up for a MyCard, Visa Classic or Repsol Más Visa Classic credit card, you can split purchases from €40 into 3 interest-free instalments during the 2 months following the signing of the contract.
Promotion valid for new policies until 31/12/2026.
Example of how the instalments are calculated for a purchase of €300 (the total amount of the credit) paid in instalments over 3 months with a 1-month deferral:
- 0 % APR.
- 0 % NIR.
- Total amount owed: €300.
- Total cost of credit (interest payments): €0.
- Monthly payments: 3 instalments of €100.
- French repayment system.