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Open Credit Card

One card, a lot of flexibility. Take it out for free.

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No fees
No fees
It's free1 to take out and renew the card.
Flexible subscription travel benefits
Flexible subscription travel benefits
Turn on the benefits when heading abroad for €4.99/month and turn them off whenever you want
Pay at your own pace
Pay at your own pace
Finance your purchases or payments of €30 or more over 1 month interest-free (0% APR2, 0% annual NIR) or split the payment into instalments over 2 to 36 months (14.93% APR3, 14% annual NIR).
Benefits ON, fees OFF
Turn on the benefits and get 5 free cash withdrawals from any ATM worldwide, plus fee-free purchases in any currency4
More convenient
Flexible options for less hassle in your day-to-day.
  • With the Open Credit Card, you can make online or in-store purchases at any payment terminal that accepts Visa.
  • With contactless technology, all you need to do is hover your card over the terminal for payments under €50.
  • And with its credit options, you have up to €6,000 available per month.
Travel benefits for just €4.99/month
They work just like a subscription: turn them on, enjoy them and turn them off whenever you want so as not to be charged the following month. All these benefits really do take off when you do:Find out more
  • No fees applied for purchases 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.
Security and peace of mind from day one
The card that's got your back.Find out more
  • Verify your purchases with your PIN number and 3D Secure Code system.
  • Receive free SMS confirmation alerts every time you pay with the card.
  • As a cardholder, you're insured during your trips and while out and about on your day-to-day by Santander Seguros y Reaseguros S.A.6.

See Pre-Contractual Information for the Open Credit Card

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Want to learn more about the Open Credit Card?
How much does the Open Credit Card cost?
What are the fees?
What are the advantages of turning the travel benefits on?
How do you turn the subscription travel benefits on and off?
Can you finance payments with your Open Credit Card?
Can you also finance payments charged to the account associated with your card?
Does it include any insurance?
How can you get your Open Credit Card online?
Where can you check the fees and interest rates for this card?
What are Open Discounts?
Need more information?

Credit subject to prior approval by Openbank's Risk Department.

1 0% annual NIR, 0% APR. Representative example for €1,500 drawn and repaid in a lump sum at the end of the month: 0% NIR; 0% APR; Total amount borrowed: €1,500. Total amount due: €1,500. Total cost of the credit: €0. Card issuance fee: €0. Free issuance and renewal.

2 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.

3 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.

4 Visa may apply a margin to the European Central Bank reference rate.

5 Insurance arranged with Zurich Insurance PLC, Sucursal en España.

6 Insurance arranged with Santander Seguros y Reaseguros, Compañía Aseguradora, S.A.