¡Descubre la Tarjeta de crédito Caixabank Visa Oro!
Credit card with many special benefits in Spain!
With the Visa Oro Credit Card in your hands, you can make purchases, defer them as you see fit, and also have free coverage with accident and travel insurance.
This card is free for a year and offers other benefits, such as protection service for your purchases with CaixaBankProtect, which combats credit card fraud.
If this offer interests you now, it is best to keep reading this article to find out all the details.
Features of the Caixabank Visa Oro credit card
The Caixabank Visa Oro card has the following main features:
- Very easy to use for daily purchases;
- Free online processing;
- No issuance or maintenance fees for the first year. In subsequent years, the fee becomes €93 per year;
- Leaves the customer entirely free to choose the payment method that best suits their needs;
- You can choose between end-of-month payments, deferred payments up to 12 months, or a fixed monthly payment;
- Access to the Caixabank application to manage your balance, purchases, receipts, among other customer needs.
How much does it cost to maintain my Caixabank Visa Oro card?
This card is free if requested online. The first year is free, but from the second year onwards, the customer will pay €90 annually.
Payment options
With this card, you can choose the payment method that suits you best, among the following:
- Full payment at the end of the month: you pay the full value of your credit card bill at the end of the month, interest-free;
- Deferred payment: if you cannot pay for a purchase in one go, you can opt to defer it for 3, 6, or 12 months, with interest;
- Fixed installment: you will always pay the same amount, regardless of the total value. For example, you will always pay €500 monthly.
About the issuing bank of the Caixabank Visa Oro card
Caixabank is a bank connected to Bankia and, therefore, one of the most important in the entire Spanish domestic market, mainly for managed assets.
By the end of 2022, CaixaBank had already gathered at least 20.2 million customers and founded the largest network of offices and ATMs in Spain and Portugal.
Brand
The Caixabank Visa Oro card is backed by Visa, a widely respected and known company worldwide. It offers discounts, benefits, facilities, and is accepted in all major stores worldwide.
Annuity
Free of annuity for the first year, starts charging €93 from the second year of use.
Minimum income to apply for the Caixabank Visa Oro credit card
The bank’s official portal does not mention a minimum income requirement to apply for this card.
Approval time
The application is done online, and approval time can vary between a few hours to a few days.
From what age can I apply?
This credit card is aimed at people over 18 years old.
What is the credit limit?
The financial institution does not mention the credit limit to be granted to each customer, as this depends on various factors.
Advantages and disadvantages of the Caixabank Visa Oro credit card
Like all financial products, this credit card offers various conditions and multiple advantages. But there are also disadvantages to consider before applying. Find out everything now.
Advantages of the card
- No maintenance fees for the first year;
- No opening commission;
- Offers different payment methods;
- Accepted at various stores in Spain and abroad.
Disadvantages of the card
- Does not have loyalty programs or bonuses;
- Starts charging an annual maintenance fee from the second year.
Want to know how to apply for this card? We will explain how to make your request right away.
