The Bankinter Combo Card is a versatile financial tool that offers two payment modes in one. It allows you to choose between full monthly repayments and flexible installments.
This guide will walk you through everything you need to know before applying. We’ll cover its features, how to use it, and key terms.
What Is the Bankinter Dual-Use Combo Card?
This card gives you two ways to pay on a single card. It is designed for people who want flexibility in managing their purchases.
One side is for end-of-month full payment, and the other is for deferred payment. You can switch depending on your budget.
Key Features and Benefits
The Combo Card comes with several features that make it user-friendly. It combines convenience with smart financial planning. These features help you manage your purchases easily while enjoying perks.
Two Cards in One
Combo 1 lets you pay for all purchases at the end of the month with no interest. Combo 2 allows you to spread payments over time using installments.
Each side of the card is linked to a different payment method. You can choose how you want to pay based on your needs.
No Issuance or Maintenance Fee
If you hold a Salary, Pension, or Non-Salary account, the card is free. There is no annual issuance or maintenance charge.
If you don’t meet these conditions, a fee of €35 applies to the primary cardholder and €25 for additional users. Terms and conditions may apply depending on your account type.
Free Cash Withdrawals from 17,000 ATMs
You can withdraw cash for free at all Bankinter ATMs. The card also works without fees at related partner banks.
These include Deutsche Bank, Targo Bank, Grupo Cajamar, and others. The free withdrawal feature adds to the convenience.
Contactless and Mobile Payments
You can make payments with Combo 1 using contactless. Combo 2 requires inserting the card into the reader.
Both sides support mobile payments through Apple Pay, Google Pay, and Samsung Pay. You can choose which side to use during the transaction.
ATM Access for Both Sides
You can withdraw cash using either Combo 1 or Combo 2. ATMs with contactless tech support Combo 1 without inserting the card.
You decide whether to pull funds from your account or credit. This setup gives you full control over your withdrawals.
Additional Programs and Services
Using the Combo Card also grants you access to the EURO 6000 Plus Programme. You can get discounts at fashion, homeware, food delivery, and electronics retailers.
Smart Cash lets you move funds from your card to your current account. Limit Management lets you increase, reduce, or adjust your card limit anytime.
Payment Methods Explained
Each side of the card features its own repayment structure. This section will help you understand when to use each side. Knowing this will help you avoid unnecessary interest and stay on budget.
Combo 1 – End-of-Month Payment
Combo 1 allows you to repay the full balance at the end of each billing cycle. This option has a 0.00% APR, meaning no interest if paid on time.
It’s ideal if you want to avoid interest completely. You must pay the total by the due date listed in your contract.
Combo 2 – Deferred Payment (“Revolving”)
Combo 2 allows you to pay in monthly installments. The minimum payment is 3% of the balance or €30, whichever is higher.
You can pay more or change the amount anytime. This method carries a 19.00% APR (17.52% NIR).
Interest Rates and Fees
Understanding interest rates helps you use the card wisely. Each side of the Combo Card has specific rates depending on use. Here’s a clear summary.
- Combo 1: 0.00% APR for all purchases if paid monthly
- Combo 2: 19.00% APR (17.52% NIR) on purchases and ATM withdrawals
- Smart Cash transfers also have a 19.00% APR
- Fee exemption for qualified Bankinter account holders
Spending and Withdrawal Limits
The card has spending and withdrawal limits you need to know. These are in place to help you stay within budget and avoid overuse.
- Purchases: Up to €6,000 daily/monthly, depending on credit limit
- ATM Credit Withdrawals: €1,000/day and up to €6,000/month
- ATM Debit Withdrawals: €1,000/day and up to €18,000/month if your linked account has enough funds
How to Apply for the Bankinter Dual-Use Card?
Getting the Combo Card is simple if you follow the right steps. You must already have a Bankinter account or open one. Here is a breakdown.
Application Requirements
You need to be a resident with a valid Bankinter account. Salary, Pension, or Non-Salary accounts qualify for free issuance.
You’ll also need personal ID, proof of address, and income documentation. Make sure your credit history is in good standing.
Step-By-Step Application Process
Applying online is easy if you already have a Bankinter account. To complete the process successfully, simply follow a few steps.
- Go to the official Bankinter website
- Navigate to the Cards section and find the Combo Card.
- Log in to your online banking profile.
- Complete the application form with accurate personal details.
- Review your information and submit the request.
Delivery and Activation
Once approved, your card will be sent by mail. Delivery takes a few business days, depending on your location.
Activation instructions are included in the envelope. Make sure to sign the card and activate it before use.
Using the Combo Card
The card supports multiple ways to pay. Whether you’re shopping online or withdrawing cash, it adjusts to your habits. Here’s how you can use it daily.
In Stores and Restaurants
Use Combo 1 by tapping your card on a contactless terminal. For Combo 2, insert the card into the reader. Retailers generally accept both options. You choose the mode before paying.
Mobile and Online Payments
Link your card to Apple Pay, Samsung Pay, or Google Pay. You can assign which side (Combo 1 or 2) to use during setup.
The app icon will show which side is active. This is useful for online shopping or in-app purchases.
ATM Access
You can choose to withdraw from your credit line or linked current account. Just pick Combo 1 or Combo 2 before completing the ATM transaction.
Combo 1 can be used contactlessly at enabled ATMs. Check for the contactless logo before use.
Managing Your Card Online
Managing your Combo Card is easy via Bankinter’s online platform. You can see real-time balances and payment history.
It also lets you control spending limits and Smart Cash transfers. The dashboard is clear and simple to use.
Insurance Benefits
The Combo Card includes accident and travel insurance. You’re covered up to €500,000 for accident-related incidents.
It’s useful if you travel frequently or use your card abroad. Be sure to review the terms on the Bankinter website.
Who Should Use This Card?
This card is ideal for people who want flexible payment options. It fits users who want to control their monthly cash flow.
It’s also beneficial for individuals seeking fee-free ATM access. If you want a smart way to manage money, this card can help.
Contact Information
You can reach Bankinter through the following:
- Website
- Customer Service: +34 902 132 313
- Mailing Address: Avda. de Bruselas, 12, 28108 Alcobendas, Madrid, Spain
Disclaimer: Card terms may change. Always read the latest documents before applying. Interest rates, limits, and services may vary by user profile.
Final Thoughts: Two Cards, One Smart Choice
The Bankinter Combo Card gives you options in a single package. You can pick how you want to pay and change it when needed.
With no fees for qualified users and strong ATM access, it’s built for flexibility. Apply today if you want control and convenience in one place.
