What is the BBVA Journey?

This benefits program rewards new BBVA Clients with a set of exclusive offers and benefits.

It takes the form of a one-year journey, and allows new customers to enjoy financial and non-financial advantages during this period.

It all starts with being offered a trip to a European city.

Every month you can enjoy amazing experiences.

Every quarter you have access to exclusive discounts on products and services from brands of your choice.

Joining the program implies domiciliation of your salary with BBVA (over €1,500), signing up for one of our credit cards (APR 14.5%) and accepting our Terms and Conditions.

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Program Benefits

A trip to a European city

Deposit your salary of over €1,500, sign up for a credit card, and get a round-trip flight to a European city of your choice.

But the journey is just the beginning...

New experiences every month

Use your BBVA credit card and get back the amount spent every month to use on experiences of your choice: wellness, recreational activities, and stays at hotel.

When you make purchases with the BBVA Credit Card worth over €150/month, you receive that same amount in points, which you can convert into a wide variety of experiences available on the program platform. Pointsare awarded monthly and are limited to 450 points.

Exclusive discounts and offers

Throughout your journey with BBVA, you will also benefit from discount vouchers and exclusive offers from brands in various categories,

Membership of the program is for a period of 12 months and presupposes the domiciliation of a salary/income over €1,500 during that period and the taking out of a BBVA credit card. Failure to comply with the eligibility conditions during the Program implies the return of €150 to BBVA as a penalty clause, if the Customer has enjoyed at least the trip to the European city.

BBVA Journey Program

Becoming a BBVA customer gets you on the path to success

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Program membership products

Make payments with total flexibility and security.

Possibility of splitting your purchases

More security with Secure Pay technology

With Contactless technology

Free insurance package

Option to block and unblock features on the Card
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Domicile your salary/income of at least €1,500/month and enjoy an account full of advantages for only €4.50/month (plus stamp duty).

€0 commission on SEPA credit transfers when done online

Access the BBVA Consigo service with a dedicated Manager

Authorized overdraft limit on your account (14.3% APR)
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At BBVA we value your time. That's why you can discuss all your banking matters with your BBVA Consigo advisor without having to go to the bank.

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Information

The BBVA Journey Program is promoted by BBVA. This Campaign is valid until 12.31.2024, limited to the existing stock of subscriptions, and is intended for new Customers who cumulatively meet the eligibility conditions for the Program. Membership of the program is for a period of 12 months and presupposes the domiciliation of a salary/income over €1,500 for that period and the taking out of a BBVA credit card. Failure to comply with the eligibility conditions implies the return of €150 to BBVA as a penalty clause, if the Customer has enjoyed at least the trip to the European city. The benefits to be awarded under the Program are managed by TLC MARKETING WORLDWIDE PORTUGAL, LDA, an entity separate from BBVA. See the Terms and Conditions for this program.

BBVA Salary Domiciliation Account: The BBVA Salary Domiciliation Account (package account) is open to individuals, employees, or self-employed workers that set up the direct deposit of their regular monthly income from their paycheck or self-employed work of a value equal to or greater than €1,500.00 (its use by ENI's as support for their professional activity is excluded). Nominal APR of 11.300%, which corresponds to an APR of 14.3%, for an authorized overdraft limit up to €15,000, with monthly interest payments on the first business day of the following month. Example: for an overdraft of €1,500 for 90 days, which has €42.39 in interest, plus €1.71 in stamp duty and a €6.36 credit use tax, with no interest charged for amounts less than €0.50. The amounts shown include taxes to applicable legal fees.

BBVA Credit Cards: Use credit responsibly and within the limits of your financial capacity.

BBVA Depois Classic Credit Card - APR of 14.5% and Nominal APR of 12.50% for a €3,000 credit paid in 12 months, including the credit card activation fee of €20/year (stamp duty included) and other legal taxes in force.

BBVA Depois Gold Credit Card - APR of 14.5% and Nominal APR of 11.70% for a €7,000 credit paid in 12 months, including the credit card activation fee of €72.50/year (stamp duty included) and other legal taxes in force.

This does not dispense with consulting the legally required pre-contractual and contractual information regarding the BBVA Salary Domiciliation Account and the Credit Card contracted, namely the respective General Conditions and the FIN, available for consultation at bbva.pt. For more information, contact BBVA.

See the definition of APR (Annual Percentage Rate) and Nominal APR.

This information is promotional and is the sole responsibility of Banco Bilbao Vizcaya Argentaria SA, Branch in Portugal (BBVA), registered with the Bank of Portugal under the IF code 19 and with the CMVM under number 383.