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Match up with the
perfect imagin card
Discover imagin cards, choose the best one for you
and carry it in your wallet
Our MyCard credit cards
Switch to the MyCard modality 1
and all the advantages that come with it.
Issue.
Maintenance.
Recycled plastic.
Your day-to-day purchases with no charges and interest-free (0% AER).
No issuance or maintenance fees.
The best of debit and credit in a single card.
MyCard
Perfect for travelling the world.
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Your purchases will appear in your account instantly and be charged the day after its confirmation.
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Pay in instalments for the purchases you choose, when you need to. 2
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Pay in any currency and withdraw cash on debit at ATMs outside Spain without being charged by us.*
*The ATM owner could charge you for its use. 3
MyCard Youth card
The best in a single card.
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Enjoy advantages and discounts throughout Spain and Europe.
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Free international travel assistance insurance. 4
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Courses and scholarships abroad.
imagin debit card 5
Enjoy the convenience of debit.
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Purchase with immediate debit to your account.
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Withdraw cash on debit without commissions at ATMs outside Spain* or at all CaixaBank ATMs. 10
*You may be cashed by the bank that owns the ATM. 11 -
Pay with your cell phone with maximum security.
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Pay in any currency all over the world without fees.
imagin credit card 5
Buy today and pay at your own pace.
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Don't pay for your purchases until the end of the month.
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Pay in instalments for the purchases you choose, when you need to. 8
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Pay in any currency and withdraw cash on debit at ATMs outside Spain without being charged by us.*
*The ATM owner could charge you for its use. 3
imagin&Go card 5
Enjoy the monthly fee to your measure.
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With the deferred payment card (revolving), you decide how much you want to pay at the end of the month (from a set minimum). 6
The credit used is settled in fixed monthly instalments with interest. 7 -
Control your expenditure: ideal for planning your monthly spending or for moments of punctual purchases.
What advantages do they all have?
CaixaBank Protect security free of charge.
Withdraw cash at over 11,000 CaixaBank ATMs.
Block and unblock cards with just a tap in the app.
Pay as you like, with your phone, card or smartwatch.
Don't be left wondering
If your mobile is compatible with Google Pay, go to the Google Wallet app and add your imagin card manually. If your mobile is not compatible with Google Pay, select the card in the app and tap the Activate mobile payment button on the menu. You only need your phone's PIN, and the terminal may ask you for your physical card's PIN in order to pay. Follow the steps and you will see your virtual card in the Wallet.
For iPhone, select the card, go to the More options menu and click on Add to Apple Wallet. You only need your phone's PIN, and the terminal may ask you for your physical card's PIN in order to pay. Follow the steps and you will see your virtual card in the Wallet.
It is no more or less than a payment instrument (which you can use to pay) and a credit facility (financing we make available that you can use to pay for something at the time of purchase). This means that with a credit card you do not pay using your account balance at that time; instead, you pay for your total spending for a given period (usually one month) at the end of that period (usually in the first few days of the next month). And, of course, without paying interest (0% NIR, 0% AER).
If the card offers deferred payments, or is payable at the end of the month but you use it with the deferred payment method, then, contrary to the above, you will not pay the total credit spent at the end of the agreed period; instead, you will pay it in monthly instalments that are used to pay down the credit used gradually, with interest accruing from the time you use the credit until it is paid in full. 7
Basically, the big difference between the two is the payment method.
Paying with your debit card always means paying for your purchases with the balance you have in your account at that time. If you do not have enough balance... you will not be able to pay with that card. On the contrary, when you pay with a credit card, you don't have to use your account balance but can use the credit available on the card (up to the limit set in the contract), and repay the credit at the end of the agreed settlement period. Furthermore, paying with a credit card lets you choose either to repay all the credit you spend at the end of the settlement period interest-free (0% NIR, 0% AER) or pay the credit drawn down on a deferred basis, with the associated interest 7.
Not necessarily. You decide if you want your credit card to be paid off at the end of the month, repaying all the credit you have drawn during the settlement period agreed. So at the end of this period, you will not pay interest (0% NIR, 0% AER). However, if you opt for repayment by instalments or choose to change your card's standard repayment method to deferred payment, you will pay the associated interest. This allows you greater flexibility of payment. as you will repay the credit you use through monthly instalments of the amount you choose, instead of paying the total amount. 7
Of course, you can change the card payment method for any of those offered for the card, whenever you want.
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