Visa Air Europa Suma¹ bankintercard

IMPORTANT INFORMATION: This Card is a "Revolving" credit card that allows you to use the credit limit to finance purchases, cash withdrawals or cash transfers to your current account, repaying the credit in monthly instalments that include capital and interest. The contract is for an indefinite period, although you can terminate it at any time by paying the outstanding amount and cancelling the Card. The entity may also terminate it with a minimum of two months' notice. Keep in mind that if you decide to take it out, if you choose a very low monthly payment, it could take you longer to pay off the loan and end up paying more interest. In addition, the available credit limit is automatically renewed every month, hence the term "Revolving". The available credit limit is reduced by charges made with the Card and is replenished by payments made through monthly instalments. Therefore, we remind you that if you increase the number of withdrawals and continue paying the same monthly instalment, the loan repayment period will be extended and you will incur higher interest payments.

CREDIT LIMIT: up to €5,000.00. The credit limit will be the one assigned, where applicable, by the Entity according to the credit and solvency analysis carried out on the Holder.

LIMIT OF USE IN TRANSACTIONS: The amount of transactions initiated through the Card may not exceed the credit limit assigned by the Entity, according to the credit and solvency analysis carried out on the Cardholder. However, unless your Card's credit limit is lower, a daily limit of €600.00 will apply to cash withdrawals at ATMs.

PAYMENT METHODS: The Card is not issued with a default payment method. At the time of activation, the Cardholder must choose one of the following general payment methods.

(i) General payment methods:

a) End of Month Payment: If the Holder chooses this payment method, the purchases and withdrawals made with the Card, up to the closing date of the settlement period, must be paid, without interest, on the date indicated for payment (0.00% APR).

b) Deferred Payment ("Revolving"): Under this payment method, the Cardholder may pay in instalments for withdrawals made with the Card and may choose to pay monthly: (i) a fixed amount or (ii) the amount resulting from applying a percentage between 3.00% and 99.99% to the resulting balance in the settlement period. The resulting balance is the sum of: (i) the Principal Drawn and (ii) the interest accrued during the settlement period.

Therefore, unlike the End-of-Month Payment option, the Cardholder will not pay the entire amount of credit available at the end of the monthly settlement period, but rather this amount will be reimbursed in instalments according to the amount selected, with an associated interest that will accrue from the moment of drawdown.

The credit limit granted will be automatically replenished each settlement period.

The monthly bill includes the monthly fee and, where applicable, any other items included in the bill.

In any case, the monthly instalment may not be less than €40.00 or the amount resulting from applying 3.00% on the outstanding balance, and must include: a) the corresponding repayment of the Principal Drawn, excluding the amounts that may exceed the credit limit, with a minimum of 0.35%, which shall be paid in full; and b) the total interest generated in the settlement period; Therefore, the amount of the fee could be higher than that of the chosen option.

In addition, other items will be included in the monthly receipt, if applicable: (i) the full balance of any overdrafts, (ii) the fees and/or cash expenses defined in the Specific Terms and Conditions of the Credit Card Agreement, and/or (iii) the instalments for any withdrawals that may have been made under any of the special payment methods.

If the Holder has purchased payment protection insurance ("PPI"), the amount of the insurance premium will be added to the corresponding monthly bill, as it is not included in the monthly fee.

Notwithstanding the foregoing, the Cardholder may always, within the different options enabled by the Card, change the general payment method, as well as the percentage or the fixed monthly amount to be paid, respecting, where applicable, the minimum monthly payment allowed in the Deferred Payment method ("Revolving"), by means of a simple telephone call to the number 900 811 311, through the website www.bankinterconsumerfinance.com or through any other channel made available to customers, up to five (5) calendar days before the end of the current settlement period .

To make an initial choice as regards the method of payment, as well as subsequent decisions to change the method of payment, the Cardholder is hereby informed that the Deferred Payment ("Revolving") option and conditions may result in the repayment of the amount drawn down taking a longer period of time, given the reduction in the proportion of the payment allocated to paying off this amount, potentially leading to an increase in the overall amount of the debt.

(ii) Special payment methods: Additionally, as long as they are enabled on the Credit Card, you can defer specific transactions under one of the following special payment methods:

a) Payment in Instalments (Split Purchases): Under this modality, the Holder chooses to defer the payment of a specific transaction (or the sum of several) through constant instalments, deciding: (i) the amount of the instalment to be paid off each month or (ii) the number of months they want to defer the transaction; the chosen and/or resulting instalment can be no less than €30.05. The minimum amount to be deferred will be €90.00 (or the minimum amount determined at any given time) and the deferral period must range from 3 to 36 months (or the options available at any given time), to which will be added an initial capital grace period starting from the date the deferral is made until the end of the settlement period in which it was made.

As part of this method of payment, the amount of the initial instalment will differ from the other monthly instalments, as it will consist exclusively of the interest accrued during the initial period. Likewise, the final instalment may be a different amount to adjust the transaction. Commission payments cannot be financed using this method.

b) Deferred Payment in Stores: Deferred Payment at Stores: this method of payment will only be enabled under the general "end-of-month payment" method and will allow the Cardholder to defer, at stores offering the possibility of deferring payment for purchases made using the store's own card machine, a purchase worth a minimum of €60.00 (or the minimumamount determined at any given time), over a period of 3, 6, 9 or 12 months (or the options available at any given time), in the form of constant monthly instalments, maintaining the general end-of-month method of payment for the other transactions.

Nominal interest rate (NIR):

(i) General End of Month payment method: without interest (0.00% APR). The indicated APR has been calculated based on a withdrawal for purchases in stores and may be higher for other withdrawal options, such as credit cash withdrawals from cashpoints and cash transfers to your current account.

² (ii) Under the general Deferred Payment (“Revolving”) method for purchases and cash transfers to your current account: 20.55% NIR. (22.60% APR). The indicated APR has been calculated under a provision for purchases in stores.

Representative example under the hypothesis that the Contract will remain in force throughout its term and the Parties will fulfil their obligations under the agreed conditions and deadlines. For a drawdown of €1,500.00, made on the first day of the settlement period under the Deferred Payment ("Revolving") method, repayment period of 4 years, to be repaid in 48 equal monthly instalments calculated based on the constant instalment repayment system. With the application of the fixed annual nominal interest rate: 20.55% (22.60% APR). In this case, the total amount payable would come to €2,212.04 (€1,500.00 of capital and €712.04 of interest), in 47 monthly instalments of €46.09 (the first instalment for €20.40 of capital and €25.69 of interest) and a final instalment of €45.81 (€45.04 of capital and €0.77 of interest). Total cost of credit: €712.04.

(iii) General Deferred Payment ("Revolving") method for the withdrawal of cash on credit at cashpoints: 13.58% NIR. (16.98% APR).

Representative example under the hypothesis that the Contract remains in force throughout its term and the Parties fulfil their obligations under the agreed conditions and deadlines. For a drawdown of €1,500, made on the first day of the billing period, to be repaid in 48 months under the constant instalment system,with a withdrawal fee of 4.00% on the amount withdrawn and an annual nominal interest rate of 13.58% (16.98% APR):the total amount payable would be €2,012.42 (€1,500 principal, €60 fee, and €452.42 interest), through an initial installment of €100.67 (€23.69 principal, €60.00 fee, and €16.98 interest), 46 monthly installments of €40.67 (the first of these 46 installments consisting of €23.96 principal and €16.71 interest), and a final installment of €40.93 (€40.47 principal and €0.46 interest). Total cost of credit 512,42 €.

(iv) Special Payment in Instalments (Split Purchases) method: 20.55% NIR. (22.60% APR). The APR shown may vary, according to the day of the month the product was arranged.

Representative examples under the assumption that the Contract remains in force throughout its term and the Parties fulfil their obligations under the agreed conditions and deadlines. For a drawdown of €1,500, made on the first day of the billing period, to be repaid within 12 months under the constant instalment system, at a fixed annual nominal interest rate of 20.55% (22.60% APR). In this hypothesis, the total amount to be paid would be €1,684.18 (€1,500.00 of capital, €184.18 of interest), through a first instalment of €25.69 which only includes interest and which will be collected on the first day of the following settlement period, 10 monthly instalments of €150.77 (the first of these 10 instalments being composed of €125.08 of capital and €25.69 of interest) and a final instalment of €150.79 (€148.25 of capital and €2.54 of interest). Total cost of credit €184.18.

(v) In the special Deferred Payment in Stores method: 20.55% NIR. (22.60% APR). This APR may vary depending on the day of the month the Contract was signed.

Representative example under the hypothesis that the Contract remains in force throughout its term and the Parties fulfil their obligations under the agreed conditions and deadlines. For a drawdown of €1,500, made on the first day of the billing period, to be repaid within 12 months under the constant instalment system and at a fixed annual nominal interest rate of 20.55% (22.60% APR). In this case, the total amount payable would come to €1,672.17 (€1,500 of capital and €172.17 of interest), in 11 monthly instalments of €139.35 (the first instalment for €113.66 of capital and €25.69 of interest) and a final instalment of €139.32 (€136.97 of capital and €2.35 of interest). Total cost of credit: €172.17.

SIMULATOR: Simulate the payment of the last instalment. Consult the Banco de España simulator, or our simulator, to calculate the end date of the final instalment.

CONSEQUENCES IN CASE OF NON-PAYMENT: If you do not pay the amount owed within the agreed deadlines, late payment interest will accrue and you will have to pay the expenses for claiming the debtor position. If this nonpayment persists over time, Bankinter Consumer Finance may pursue the debt through legal proceedings, which will result in higher costs for you. Likewise, in the event of non-payment, Bankinter Consumer Finance may communicate your data to the credit information systems to which it is affiliated, which may make it difficult for you to access financing or new loans in the future.

RIGHT OF WITHDRAWAL: you can decide to cancel your card within 14 days of its activation, without the need to give any reason and at no additional cost. In that case, you could let us know by calling the phone number shown on the card. If you have made any drawdown during those 14 days, you must return the capital drawn down and the accrued interest within a maximum period of 30 calendar days from the date on which the withdrawal notice is sent and return the card accordingly.

QUARTERLY INFORMATION: you can consult the quarterly information on the fees and interest rates most frequently offered by Bankinter Consumer Finance E.F.C., S.A. at: https://www.bankinterconsumerfinance.com/nosotros/información-clientes.

For further information about the calculation of interest, the structure of the different payment methods and the services associated with the Card, consult the General Terms and Conditions of the Contract or the European Standardised Information Sheet (ESIS) and other pre-contractual information (version available in Spanish, Catalan, Basque, Galician and Valencian).

ADDITIONAL BENEFITS: You will accumulate Miles in the Air Europa Suma loyalty programme with each of your purchases, a) in the Deferred Payment ("Revolving") mode for purchases: 10 Miles for every euro spent on direct purchases of Air Europa tickets and 2 Miles for every euro spent on other purchases and b) in the End of Month Payment option: 2 Miles for every euro spent on direct purchases of Air Europa tickets and 0.5 Miles for every euro spent on all other purchases. In cases where to benefit from these advantages deferred payment (“Revolving”) is required, the same will be understood to exist when the monthly payment does not exceed 40.00% of the balance drawn. These terms and conditions apply only to purchases made in stores and do not extend to other transactions, such as cash withdrawals, top-ups or prepaid card purchases, money transfers, payment of fees or taxes, the purchase and sale of crypto assets, cash transfers to current accounts or any other transaction not intended for the purchase of goods or services.

WELCOME OFFER: 3,000 Miles after the third purchase you make using your card, regardless of the method of repayment.

Any operations related to the Air Europa Suma Visa Card must be carried out
through the bankintercard customer service helpline at 900 811 311