¡Descubre la Tarjeta de crédito Cetelem!

Credit card without annual fee and with many special benefits in Spain!

We all want practicality in our day to day, especially when it comes to making purchases. And it’s even better when we can combine practicality, payment flexibility, and multiple advantages in a single credit card.

For this reason, customers looking for more peace of mind can benefit from the Cetelem Credit Card, which allows customers to split payments and even withdraw cash from ATMs.

If you want to know the details so as not to miss anything about this offer, we will explain everything right away.

Features of the Cetelem Mastercard credit card

The Cetelem Mastercard credit card has the following main features:

Total ease for daily shopping;
Super easy to apply for both online, by phone, or SMS;
It is a completely free card, with no issuance or maintenance fees;
Completely flexible payment method: end-of-month payment, revolving payment, or installment payments;
Total security for online and in-person purchases;
Free accident and travel insurance linked to your card;
Cash available at ATMs. Maximum limit conditioned to your credit line.

How does my Cetelem Mastercard card work?

The Cetelem Mastercard card is completely free and has no additional costs for issuance or maintenance. Therefore, the customer will only pay for what they purchase and use.

In addition, the payment methods are flexible, and there are three different modalities: end-of-month payment, installment payment, or revolving payment. We explain each of these modalities below.

End-of-month payment: All transactions made with your Cetelem Credit Card will be charged on the last business day of each month.
Installment payment: You must choose at the time of purchase in-store which installment payment method best suits you: 3, 6, or 12 months for purchases over €40.
Revolving payment: This type of payment allows for a fixed monthly installment regardless of the transactions made. This payment method incurs interest at a 19.99% NIR and a 24.67% APR.

Delayed installment payment after purchase is also available. This can be done by accessing the Customer Area or by phone.

About the issuer of the Cetelem Mastercard card

Cetelem is known as the commercial brand of BNP Paribas Personal Finance in Spain. It is a specialist division in personal loans and credit products for individuals of BNP Paribas.

Therefore, for over 30 years, this institution has become one of the most important and secure in the country, being a brand with over 7000 points of sale and also operating in other sectors, such as the automotive sector.