1. Your card with no issuance fee or maintenance charge
Only pay for the credit you use
2. Store it on your mobile
Compatible with both iOS and Android
3. Get cash instantly
Through Online Banking or the Grupo Cajamar App.
And also from any ATM or by calling 900 813 576.
4. Your monthly payment adapts to you
Pay an affordable fixed monthly amount that you can amend whenever you need to, with a simple phone call, at no cost and as many times as you want with its revolving mode.
You can pay off your debt at any time with no charge of fees, and your credit will become available again as soon as you repay your debt.
On the Bank of Spain’s Banking Customer Website, you can carry out simulations to find out when you will finish repaying the debt on your revolving card and the total amount of interest you will pay.
Credit card issued by Cajamar Caja Rural and linked credit line granted by GCC Consumo Establecimiento Financiero de Crédito, S.A. Subject to prior authorisation, study of the documentation provided, and signing of the contract”.
Representative example of a revolving credit of €1500, with a 4% arrangement fee of €57.69 included in the finance, monthly payments of €41.37 over a period of 47 months plus a residual monthly payment of €41.20. NIR 14.50% APR 18.00%. Total amount repaid €1.985,59. Interest €485.59. Total cost of the credit €543.28.
French amortisation system. Representative example calculated according to Order ETD/699/2020, of 24 July, regulating the revolving payment method.
The monthly amount may vary from the representative example depending on the approved amount of your credit line, as well as the period over which you repay any drawdowns. The selected monthly payment is allocated (1st) to the payment of contractual interest (2nd) to fees and expenses, (3rd) to insurance, if taken out, and (4th) to repayment of the capital used.
The minimum monthly payment is 4% of your current credit line, and you can request to change this through our communication channels, completely free of charge, as often as you need to. If you choose a low monthly payment with respect to the total amount of the accumulated debt, repayment of the principal sum will take longer, and the amount of interest paid will be higher.
There is a cash withdrawal fee of 4% with a minimum of €3.
Deferred payment. Through the Plazox*, system, customers can defer payment on retail purchases charged to the available balance of the card, under different financial conditions from the revolving payment system..
You can defer any amount from €60 or 100, depending on the retail sector** and each retailer can also establish a higher amount. Representative examples of a single retail purchase of €1500 with deferred payment mode and financed fee:
Right of withdrawal: The holder(s) will have a period of fourteen calendar days to withdraw from the contract as of the date it is signed or receipt of the contractual conditions and the mandatory information established by law, if later, without having to give any reason or pay a penalty, for which, the holder(s) shall:
The daily interest rate will be calculated based on the debtor rate agreed in the Specific Terms and Conditions divided by 365 days.
The customer must use the credit card responsibly. Excessive use of financing involves a risk of over-indebtedness with long-term consequences that can affect your financial planning.
Now you can sign for any transactions using your mobile signature.
Switch it off from the App and switch it back on when you find it.
You will receive free notifications with every transaction.
The term revolving means that as you pay off the credit used, that amount becomes available again to be used, and you will always pay a fixed repayment amount, which you can request to change.
Monthly repayments or instalments are a percentage of the credit line. For example: If you have a €1,000 line of credit and use €500 on a purchase, if you choose a 5% monthly repayment, it would be €50, that is 1,000 x 5% = €50.
You can change your monthly repayment as often you need to, according to your personal circumstances at any given moment. You can do so by calling our customer service line on 900 813 576.
You can fully or partially repay the balance on your line of credit, without any early repayment fees.
Every time you use your credit, the amount available decreases, and every time you pay your monthly instalments, you repay your debt and so the amount available to use increases once again.
You can choose to pay for a specific purchase through “Deferred Payment”. In this case, you will have a specific monthly payment with specific duration, additional to the monthly payment for your revolving credit.
If you do not yet have a card, you can request one via online banking, the Cajamar App, or by calling 910 483 030, and the money will be deposited into your account. If you already have a card, you can withdraw cash at an ATM or use the card to make purchases either in physical stores or online.
You can apply at any branch of Cajamar. With the card, you can use your line of credit in shops, for online purchases and at ATMs, plus there are no issuance or maintenance fees.
The Cajamar Consumo card is issued by Caixa Rural Xilxes and the credit line is granted by GCC Consumo Establecimiento Financiero de Crédito, S.A.
* The Plazox service will not be available for retail purchases associated with the following sectors: casinos, charity, massages and saunas, telephone top-ups, motorway tolls, and small purchases.
**The minimum amount for a transaction to be subject to this service will be 60 euros or 100 euros, depending on the sector of activity. The minimum amount of 100 euros will apply to retail purchases associated with the following sectors: large food stores, petrol stations, supermarkets, pharmacies, drugstores and restaurants. The minimum amount of 60 euros will apply to retail purchases associated with the following sectors: travel agencies, hotels, passenger transport, jewellery stores, vehicle rentals, etc. entertainment and shows, mail/telephone sales, retail, other large stores and other categories.