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Classic credit card of Banco Sabadell

A credit card to pay
Request your Classic credit card
Request your Classic credit card
 Use it with your mobile
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Pay at your own pace

With your credit card you decide when and how to pay

 Get your credit card and choose how to pay for your purchases. By default, payment will be at the end of the month, although you can also defer payment of the monthly statement1 by choosing a fixed instalment or a percentage (revolving payment). In addition, you have the option to split transactions debited to your account into 3, 6, 9, 12, 18 or 24 months.

The deferred payment method involves the payment of interest, with a nominal annual interest rate of 18% (APR: 19.54%)1 . A monthly instalment that is too low could prolong the debt indefinitely, with the effect of accruing a higher amount of interest. Get your Classic credit card
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Maximum security

Make your purchases online with the guarantees that Banco Sabadell gives you
Our cards have 2-factor authentication so that only you can use them. And for your peace of mind, you can notify us from the app of fraudulent use and recover the money for purchases that you have not made.
 Get your Classic credit card
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Double protection

A protection plus for you to make your trips with complete peace of mind
Your Classic credit card includes two types of insurance at no additional cost: public transport travel accident insurance up to €120,000 and daily accident insurance up to €6,000.
 Request your Classic credit card
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Choose the payment method that best suits your purchases
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Make your purchases and don't pay until the end of the month
It is the payment method established by default when you apply for your Classic credit card.
Payment for your purchases is made at the end of the month, in a single charge with the total amount you have spent.
Your purchases will be charged to your account on the last business day of the month.
If you make a purchase that exceeds the card’s credit limit, you can continue purchasing by debiting your account for up to €2,000 accumulated per month, provided the linked account has sufficient funds.
Choose an expense and split it into several monthly instalments
You can choose which of the expenses made with your credit card you want to split.
Finance one of your purchases.
Choose the fixed term you prefer: 3, 6, 9, 12, 18 or 24 months.
Defer the payment of the monthly settlement (1)
You can choose between two ways to defer the spending on your card.
Option 1: Deferred revolving payment with monthly percentage.
Option 2: Revolving deferred payment with fixed amount.
Interest rate 18% TIN 19.54% TAE.

The keys to your Classic credit card

  • Flexibility
    You decide: pay conveniently at the end of the month or with the payment plan that best suits you.

  • Withdraw money for free
    Withdraw free debit cash at Banco Sabadell ATMs and at EURO 6000 ATMs from 60 €3.

  • Free2 online card

     Apply for your card online with no issue or maintenance fees, depending on the account you have.

  • Your card on your mobile phone
    Add your card to Google Pay, Apple Pay or Samsung Pay to pay with your mobile or withdraw money at ATMs.

  • Flexibility
    You decide: pay conveniently at the end of the month or with the payment plan that best suits you.

  • Withdraw money for free
    Withdraw free debit cash at Banco Sabadell ATMs and at EURO 6000 ATMs from 60 €3.

  • Free2 online card

     Apply for your card online with no issue or maintenance fees, depending on the account you have.

  • Your card on your mobile phone
    Add your card to Google Pay, Apple Pay or Samsung Pay to pay with your mobile or withdraw money at ATMs.
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Pay with your mobile and leave your card behind

 Add your credit card to Apple Pay, Google Pay or Samsung Pay and pay directly with your mobile. And, of course, you can also use Bizum from the app to pay, send or receive money from your contacts who are also registered with the service. %>
Find out all the details
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Follow these steps to get your Classic credit card ready to go
1. Request your card Access your personal area at Banco Sabadell and apply for your credit card. If you are not yet a customer, you can register via the website.
2. Use your virtual card Check your card details and start paying for your purchases in secure online shops. Add it to Apple Pay, Google Pay or Samsung Pay to use it in physical stores.
3. Receive it at home We send your new physical credit card to your address so that you can always carry it with you and use it as you wish.
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Information prior to signing up for the card Information prior to signing up for the card
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Contract of general conditions of the card Card general terms and conditions contract
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Compare Banco Sabadell credit cards
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Classic credit card
Flexibility and control in the payment of your purchases
You can choose to pay at the end of the month or in convenient instalments with deferred revolving payment.
Pay with your mobile without having to take your card with you.
Includes 2 travel accident insurance at no additional cost.
Request your credit card
Request your credit card

Gold credit card

A plus of protection at no additional cost
All the benefits of the Classic credit card.
Travel assistance insurance for holders and vehicle (medical expenses, transfers, etc.)
Accident insurance for travel by public transport up to €600,000 (details in the insurance policy).
Daily accident insurance up to €6,000 (details in the insurance policy).
Request your credit card
Request your credit card
Platinum credit card
Ideal for travelling, with more insurance coverage
Travel accident insurance of up to €1,200,000 (details in the insurance policy).
Assistance insurance for people (medical expenses abroad, medical transfer, luggage search, etc.).
Assistance insurance for your vehicle (0 km service, urgent repair on site, etc.)
 
All the benefits of the Classic credit card.
Request your credit card
Request your credit card
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Prefer a debit card?
Discover our BS Card debit card, with no issuance or maintenance fee if you are a customer with a Sabadell Account. Pay for your purchases with the available balance in your account and do all the procedures from your mobile.
 %> Get your debit cardGet your debit card
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Data that support out banking experience and digital innovation

Download the Banco Sabadell app

Manage your cards
from your mobile
 
Withdraw money and pay for your purchases with your mobile, without the need for a plastic card.
Send money and view the information securely to make your purchases online.
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We answer your most frequently asked questions

What is a credit card?

A credit card is a means of payment that allows you to make purchases or withdraw money using a credit limit granted by the bank. The amounts spent are not debited immediately to your account, but are paid later according to the payment option you choose.

What is the difference between a credit card and a debit card?
The main difference is that the debit card allows you to use the money you have in your account to pay in shops, withdraw money in branches and from ATMs. In other words, you can only spend the money you have in the account because it is debited immediately.
 
However, the credit card allows you to make purchases even if you do not have funds in the account, using the credit limit granted by the Bank. Each month, you receive the cumulative amount you are required to pay and you can choose to pay this amount in full or just a portion of it. If you don't pay the full amount, the bank will charge you interest on the remaining amount.

What are the advantages of a credit card?

A credit card allows you to make purchases and withdraw money even if you do not have sufficient funds in your account at the time. Its main advantage is the flexibility it offers, as you can choose to pay the full amount at the end of the month or split the payment into several instalments, adapting it to your needs.
 
You can check your transactions, available credit, change the payment method or block the card at any time via the app or online banking.

What flexible payment options does the Classic Credit Card offer?

 The Classic Credit Card allows you to manage your purchases with flexibility. Generally, you can choose between paying the total amount of your purchases at the end of the month or splitting the payment into several monthly instalments (this option carries interest).

Can I use my credit card on my mobile before receiving the physical card?

Yes. Once your card has been approved and activated, you can add it to your digital wallet (such as Apple Pay, Samsung Pay or Google Pay). This allows you to start paying with your mobile from day one, without having to wait for the physical card to arrive.

Is it safe to shop online with my Banco Sabadell credit card?

 Banco Sabadell applies the European PSD2 directive to strengthen security in all digital transactions. This means that your online purchases are protected by a two-factor authentication system, ensuring that only you can authorise payments.

How can I check or modify my credit card limit?

You can manage your credit card conveniently through the Banco Sabadell app and carry out actions such as checking the available limit or requesting a change to it.

Do I need to have a current account with Banco Sabadell to apply for a Classic Credit Card?

Yes, to apply for a credit card you must be the holder of a Banco Sabadell account. The card is linked to your account in order to make payments and manage your transactions. Personal accounts, such as the Sabadell Account or the Sabadell Online Account, offer this possibility.

Can I apply for a credit card if I do not have my salary paid into Banco Sabadell?

Yes, you can request it without having to have your salary paid directly into the account. In any case, the decision to approve your application will depend on the bank’s risk assessment.

What requirements are assessed for the granting of a Classic Credit Card?

The granting of any credit card is subject to meeting the bank’s risk criteria. The bank will carry out a risk and viability assessment to approve your application.

Do issue or maintenance fees apply to the Classic Credit card?

In principle, cards incur issue and maintenance fees. However, the main Banco Sabadell accounts, such as the Sabadell Online Account, offer the Classic Credit Card with no issue or maintenance fees. Check with the Bank which accounts are available that allow you to avail of a card without these fees, so you can choose the one that best meets your needs.
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Do you have any questions?
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Customer Service

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Legal terms and conditions
1. Representative example for a scenario in which the revolving payment method is chosen with the payment of a fixed amount: Example for a total credit amount of €1,500, with a card issuing and/or maintenance fee of €0 per annum. The credit is deemed to have been granted on 30 November 2023 and drawn down in full on 1 December 2023, to be repaid over 48 months, with a nominal annual interest rate of 18% (APR: 19.54%). In this case, 47 instalments of €44.08 will be paid (the first instalment is payable on 31 December 2023), plus a final instalment of €42.75 in November 2027. The calculation of the APR includes interest in the amount of €614.51. The total cost of the credit is €614.51 and, therefore, the total amount due is €2,114.51.

The full amount of the limit granted is deemed to be drawn down on the first day and no further transactions are carried out until the transaction is fully repaid. Calculated on a constant instalment repayment system. Please note that the minimum amount of the monthly instalment must be 3% (minimum €30) of the balance you defer. The conditions of the example may not match those of your card contract.

Revolving Card fee simulator
  2. Free Classic credit card, with no issue or maintenance fees, for customers with a Sabadell account (Sabadell Account, Sabadell Online Account, Sabadell Premium); one card per account holder. The granting of the credit card is subject to the Bank's risk criteria and its approval, after the relevant risk and viability assessment has been carried out.

3. For debit cash withdrawals at its ATMs, Banco Sabadell will not charge you a fee. You can also withdraw cash on debit without fees at the ATMs of EURO 6000 banks. At ATMs of other banks, the fee applied by the bank that owns the ATM will be charged. View all the details.

We inform you that we can process the personal data that we have, as well as those that you have incorporated into the process, to contact you in the event that, for any reason, the process is abandoned in order to find out the reasons and try to recover it. You can exercise your rights in data protection according to the information that has already been provided to you. (view).
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HomeBank cards Classic Credit Card
Request your credit card online
Get your Classic credit card
Get your Classic credit card