Servicios Financieros Carrefour, E.F.C., S.A.
Carrefour PASS
Carrefour PASS is a Spain credit and loyalty card for Carrefour shoppers and fuel users. It combines payment flexibility with Carrefour Club benefits, ChequeAhorro savings, fuel discounts at Carrefour service stations and selected partner fuel stations, and shopping finance options for everyday purchases.
Highlights
Main benefits
- 8% savings at Carrefour service stations
- 4% savings at Moeve and Cepsa
- Savings credited in Carrefour ChequeAhorro
- Combines Carrefour Club loyalty and credit card features
- Useful for Carrefour supermarket and hypermarket shopping
- Flexible payment options for eligible purchases
- Can be used without changing bank
- Good fit for regular Carrefour shoppers in Spain
- Works for everyday purchases and selected partner benefits
Fees
Fees and charges
Joining fee
No joining fee
Renewal fee
No annual fee
Annual fee waiver
No annual fee
No waiver condition required
Who can apply
Eligibility
- Applicant must be resident in Spain
- Applicant must be eligible for consumer credit in Spain
- Applicant must complete Carrefour identity and credit assessment requirements
- Applicant must provide valid personal, contact and financial information
- Approval depends on Carrefour financial services credit assessment
Checklist
Documents required
- Valid identification document
- Spanish tax identification number or identity number
- Proof of address when requested
- Proof of income when requested
- Bank account or payment details when requested
Process
How to apply
1. Visit the official Carrefour PASS Spain page
2. Start the online Carrefour PASS application or request the card through Carrefour financial services channels
3. Enter personal, contact and financial details
4. Submit the requested identity and income information
5. Complete Carrefour financial services credit assessment
6. Sign the card contract after approval
7. Activate the card and use it for Carrefour shopping, fuel purchases and eligible credit card payments
Value
Reward and cashback structure
Reward rate
8% savings at Carrefour service stations credited in ChequeAhorro
4% savings at Moeve and Cepsa credited in ChequeAhorro
Carrefour Club savings on eligible Carrefour purchases
Flexible payment options for eligible purchases
Cashback
8% at Carrefour service stations credited as ChequeAhorro
4% at Moeve and Cepsa credited as ChequeAhorro
Savings are accumulated in Carrefour ChequeAhorro
Carrefour Club savings apply on eligible purchases
Good fit
Pros
- Strong fuel savings at Carrefour service stations
- Useful additional savings at Moeve and Cepsa
- Good value for regular Carrefour shoppers
- Combines loyalty card and credit card features
- Savings accumulate through ChequeAhorro
- No annual fee structure is attractive for regular users
- Does not require changing bank
Watchouts
Cons
- Best value is tied to Carrefour and partner fuel stations
- Savings are credited as ChequeAhorro instead of direct cash
- No lounge access benefit
- No dedicated travel rewards programme
- Credit approval is required
- Deferred or revolving payment can be costly when balances are carried
Related
Related cards
Compare
Compare Cards
| Field | Carrefour PASS | Plazo Credit Line / Plazo Card |
|---|---|---|
| Bank/provider | Servicios Financieros Carrefour, E.F.C., S.A. | Plazo Credit S.L. / Pecunia Cards EDE, S.L.U. |
| Joining fee | No joining fee | No joining fee |
| Renewal fee | No annual fee | No annual fee |
| Best for |
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| Reward rate |
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| Cashback |
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| Lounge access | Not available | Not available |
| Fuel surcharge waiver |
| Not available |
| Welcome benefit | Not specified | Not specified |
| Annual fee waiver condition |
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| Eligibility |
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| Apply link | Apply Now | Apply Now |