Openbank Reading Club Card by Vanity Fair

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.

The Openbank Reading Club Card by Vanity Fair is a credit card. It is completely free to take out (0% annual NIR, 0% APR) and renew each year.

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.

It is completely free to take out (0% annual NIR, 0% APR) and renew each year. The 3D Secure Code system and free SMS payment alerts are also free. You can turn on your travel benefits for €4.99/month and turn them off whenever your want.

You can benefit from exclusive travel benefits at any time. Turn them on from the Openbank website or app for just €4.99/month, and when you no longer need them, just turn them off and the subscription will not be renewed the following month.

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 €4.99/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• Cash withdrawals in Spain and within the EU: 3.90% of the amount withdrawn (minimum: €3.90) and the applicable fee indicated by the ATM.
• Cash withdrawals outside the EU: 4.5% of the amount withdrawn (minimum: €3) and the applicable fee indicated by the ATM.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.

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.

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.

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 1 in the “Information on fees and interest rates charged or offered”. For further information, call us on 91 270 57 32 and we'll be glad to help.

They are exclusive discounts you get at top brands when you pay with your card. Check out the brands that offer discounts here.

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.