imagin credit card

Change your way of paying: organize your everyday purchases and pay for them at your own pace.

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This is how the imagin crédito card¹ works

Pay your purchases by month-end with no fees or interest (0% APR).²

Possibility to pay in instalments³ if you need it.

Pay in any currency at no additional cost and enjoy excellent exchange rates.

Buy today, pay at your own pace

Flexibility and convenience in your everyday purchases

With the imagin crédito card, your everyday purchases are easier. Everything you spend is charged at the end of the month, with no interest (0% AER). This way, you can manage your payments with greater peace of mind and buy whatever you want without having to wait.

Pay conveniently in instalments

You can pay for the purchases you choose in instalments - it is very easy. You decide how many months you want to take to repay it, so you can better manage your expenses.

Now, suppose you want to buy an electric scooter in instalments:

French amortisation system is used.

Purchase cost
€1,500

To pay in
13 months

(1 month of full grace period on principal and interest)

NIR 20.40%
APR 22.42%

Interest amount / total cost of credit
€199.26

Total amount payable
€1,699.26

Monthly instalments:
11 instalments of €141.61 and 1 last instalment of €141.55

Travel the world with your imagin crédito

Use your card at all types of national and international merchants.
Book hotels or rent cars, with no unexpected issues.
Pay in any currency with no fees and excellent exchange rates.
Withdraw cash on debit at any ATM⁴ worldwide with no fees on our side (the ATM provider may charge you).

Also, benefit from all of these perks

Convenience, control and security in every payment.

€0 for card issuance and maintenance.

Withdraw cash with your debit card with no fees⁵ at CaixaBank ATMs.
There are over 11,000!

Easily activate and deactivate your card from the imagin app.

Pay however you like: with your mobile phone, your card, or your smartwatch. The choice is yours!

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Visualize your purchases instantly
on the imagin app

In the “My Cards” section of the app, you will be able to:

Consult all your available credit cards.
Activate or block your card instantly, or request a new one

Consult your purchase details: date, amount and more.
Review how much credit you have used and your remaining credit.

Split your past purchases into instalments.
Transfer money⁶ from the card to your account.
Download your virtual card on your phone.

Request your imagin credit card in 3 steps

Discover how to get it easily and and 100 % online.

Download the imagin app and become a client if you haven’t yet

Access the “My cards” section and tap “Request new card”.

Scroll right to the “imagin crédito” and request the card.

Your new credit card is ready to use.

Get card

Other imagin products

Mobile payment

Pay quickly and easily from your mobile.

Withdraw cash at ATMs

At over 11,000 CaixaBank ATMs.

Facilitea

The latest technology is waiting for you in our app!

Bizum

Immediate payments to any bank without fees.

Frequently Asked Questions about the imagin crédito card

What is an imagin credit card, and how does it work?

The imagin credit card allows you to make purchases or payments that are charged to your account at the end of the month or in instalments of your choice. You can use it at both national and international merchants, with the option to pay in any currency with no fees.

What happens if my card is lost?

You can block it instantly from the imagin app and request a new one. The process is quick, simple, and 100% secure.

Are there any fees for using the imagin credit card?

There are no fees for card issuance, maintenance, or everyday purchases. However, if you use international ATMs, the ATM provider may charge a fee.

How can I split payments with my imagin credit card?

You can choose to split the amount of your purchases directly from the imagin app.  Simply select the purchase you want to split and choose the repayment period that suits you best.

Do you pay interest on credit card usage?

Not always.  If you choose to pay the total amount of credit used at the end of the month, you won’t pay any interest. If you choose to split the payment into monthly instalments or activate the deferred payment option, interest will apply according to the card’s terms and conditions.

Is it possible to transfer money from my credit limit to my account?

Yes, you can transfer the available credit on your card to your account balance. This transaction carries a fee of 4.5% of the amount transferred (minimum €4).

Is it possible to change a card’s payment option?

Yes, you can change your card’s payment option at any time, as long as it is available. To do so, you must request and authorise it in advance, bearing in mind that some options may include associated interest, as detailed in the card contract and the pre‑contractual information.

Does CaixaBank charge any fee for money withdrawal at its ATMs?

No, CaixaBank does not charge any fees when you withdraw cash with your card at its ATMs.

How does the instalment payment option work?

The instalment payment option allows you to split your purchases into repayment periods of 3, 6, 9 or 12 months, or up to 24 months for amounts over €600. The minimum purchase amount is €40, and the maximum depends on your card’s credit limit.

For example:

Amount: €1,500
Term: 13 months (12 months + 1‑month grace period)
APR: 22.42% · Nominal interest rate: 20.40%
Monthly instalments: 11 instalments of €141.61 and a final instalment of €141.55
Total amount payable: €1,699.26
Total cost of credit: €199.26

The amortisation system used is the French system, where the monthly instalment remains the same throughout the term. Each instalment includes a portion of principal and a portion of interest, which decreases as the outstanding balance is repaid.

Where can I consult the pricing of banking services?

You can check the prices applied to the most common banking services on the website: www.caixabank.es/tariffs

Is it possible to transfer money from my credit limit to my account balance?

Yes, you can use your card’s credit not only to make purchases, but also to transfer it to your account balance. In this case, a fee of 4.5% will apply to the amount transferred, with a minimum charge of €4.

Are there any fees for money withdrawal at CaixaBank ATMs?

No, CaixaBank does not charge any fees for using its ATMs when you withdraw cash with your card.

Is there a fee for withdrawing cash on debit at ATMs outside Spain?

No, no fees are charged for debit cash withdrawals with these cards at ATMs located outside Spain.

Where can I find out more about imaginBank’s credit cards?

You can find out more at www.imagin.com/en/informacion-tarjetas

IRN: 9286-2025/17317

1. imagin, a commercial brand of imaginersGen, S.A., agent of CaixaBank, S.A. CaixaBank, S.A. markets products of the hybrid payment institution that issues credit cards, CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U. (“CPC”), with registered office at Avenida de Manoteras No. 20, Edificio París (28050 Madrid). The customer funds safeguarding method chosen by CPC for users of payment services is the deposit of funds in a segregated account opened with CaixaBank. Card issuance is subject to prior approval by CPC.

2. €0 in issuance and maintenance fees for the credit card (imagin crédito). You can consult the prices usually applied to the most frequently provided banking services (Annex 1) at www.caixabank.es/tariffs

3. The instalment payment option consists of paying with interest in the instalments you choose (3, 6, 9 or 12 monthly instalments) for purchases of €40 or more (or 15, 18, 21 and 24 monthly instalments for purchases of €600 or more). We recommend that you consult the terms and conditions of use of this option in your contract. The minimum purchase amount is €40 and the maximum is the available amount up to your card’s credit limit. Terms of 4, 7 and 10 months or 13, 16, 19, 22 and 25 months. Example of instalment payment (with one month’s grace period). Representative example calculated for a purchase of €1,500 (total amount of credit) paid in instalments with the card over 13 months, 12 instalments, with one month of total grace period (principal and interest), with interest capitalised: APR 22.42%. Nominal interest rate 20.40%. Total amount payable: €1,699.26. Total cost of credit (interest paid): €199.26. Monthly instalments: 11 instalments of €141.61 and a final instalment of €141.55. French amortisation system. You can consult the prices usually applied to the most frequently provided banking services (Annex 1) at www.caixabank.es/tariffs

4. We will not charge you for withdrawing cash on debit with these cards from any ATM outside Spain.

5. CaixaBank will not charge any fee for the use of its ATMs when you withdraw cash with your card through them.

6. Information about transferring card credit to your account: in addition to making purchases, you may use the credit on your card to transfer it to your account balance. In this case, the transfer fee will be 4.5% of the amount transferred (minimum €4).

2026

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