Open Bank, S.A.
Openbank Credit Card
Openbank Credit Card is a Spain credit card from Openbank, Santander Group’s digital bank. It is useful for everyday purchases, online shopping and promotional cashback campaigns, with app-based card controls and digital banking support through Openbank online channels.
Highlights
Main benefits
- Credit card from Santander Group’s digital bank
- Useful for selected cashback campaigns
- Up to 10% cashback during eligible promotional periods
- Promotional cashback up to €500 during eligible campaign periods
- Designed for everyday purchases and online shopping
- Mobile app-based card management
- Digital banking support through Openbank channels
- Backed by Santander Group in Spain
Fees
Fees and charges
Joining fee
Not specified
Renewal fee
Not specified
Annual fee waiver
Not specified
Who can apply
Eligibility
- Applicant must be resident in Spain
- Applicant must be eligible for consumer credit in Spain
- Applicant must complete Openbank identity and credit assessment requirements
- Applicant must provide valid personal, contact and financial information
- Approval depends on Openbank 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 Openbank Spain website
2. Open or access an Openbank customer account
3. Go to the cards section and select the credit card option
4. Enter personal, contact and financial details
5. Submit the requested identification and income documents
6. Complete Openbank credit assessment and contract signing
7. Activate the card after approval and manage it through Openbank online banking or the mobile app
Value
Reward and cashback structure
Reward rate
Up to 10% cashback during selected credit card promotional campaigns
Promotional cashback up to €500 during eligible campaign periods
Standard ongoing rewards rate not specified
Cashback
Up to 10% cashback during selected credit card promotional campaigns
Cashback may apply to eligible credit card purchases during campaign periods
Standard ongoing cashback not specified
Good fit
Pros
- Strong cashback potential during promotional periods
- Useful for Openbank customers who want one digital banking app
- Backed by Santander Group
- Good fit for everyday and online purchases
- App-based card controls make management easier
- Can be attractive when paired with Openbank account campaigns
Watchouts
Cons
- Cashback value is mainly promotional
- Standard ongoing rewards rate is not specified
- No dedicated fuel surcharge waiver
- No clear lounge access benefit
- Credit approval is required
- Promotional benefits may require account activity conditions
Related
Related cards
Compare
Compare Cards
| Field | Openbank Credit Card | Plazo Credit Line / Plazo Card |
|---|---|---|
| Bank/provider | Open Bank, S.A. | Plazo Credit S.L. / Pecunia Cards EDE, S.L.U. |
| Joining fee | Not specified | No joining fee |
| Renewal fee | Not specified | No annual fee |
| Best for |
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| Reward rate |
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| Cashback |
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| Lounge access | Not specified | Not available |
| Fuel surcharge waiver | Not available | Not available |
| Welcome benefit | Not specified | Not specified |
| Annual fee waiver condition | Not specified |
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| Eligibility |
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| Apply link | Apply Now | Apply Now |