Visa Air Europa Suma¹ bankintercard

CREDIT LIMIT: up to €5,000.00. The credit limit will be assigned, if applicable, by
the Entity according to the credit and solvency analysis carried out on the Holder.

LIMIT ON USAGE FOR TRANSACTIONS: The amount of transactions initiated
through the Card cannot exceed the credit limit assigned by the Entity, according
to the credit and solvency analysis carried out on the Holder. However, and unless
the credit limit of your Card is lower, a daily limit of €600.00 will apply for cash
withdrawals at ATMs.

PAYMENT OPTIONS: The Card offers the following payment options:

(i) General payment options:

• End of Month Payment: If the Holder chooses this option, the purchases
and withdrawals made with the Card, up to the closing date of the
settlement period, must be paid in full, without interest, on the payment
date.
• Deferred Payment (“Revolving”): With this option, the Holder can pay for
the transactions made with the Card in instalments, choosing between
paying: (i) a fixed amount each month; or (ii) a percentage of the
Outstanding Balance in the settlement period, up to a maximum of 99.99%.
The Outstanding Balance is the sum of the different charges and credits
derived from the Card’s transactions during the settlement period, including:
a) the Capital Disbursed; b) the interest accrued during the settlement
period; and c) the payment protection insurance (“PPI”) premium, if contracted. The minimum monthly payment allowed will be the amount resulting from applying a 3.00% percentage to the Outstanding Balance in the settlement period, with a minimum amount of €30.00.

In any case, the chosen and/or resulting monthly payment must include at least: a)
0.35% of the Capital Disbursed, b) all interest accrued during the settlement
period, c) the overdraw fee that may accrue for exceeding the Card’s credit limit,
and, where applicable, d) the payment protection insurance (“PPI”) premium; so its
amount may vary upwards.

Notwithstanding the above, the Holder may always, within the different
options enabled for the Card, change the general payment option, as well as
the percentage or fixed monthly amount to be paid, respecting, where
applicable, the minimum monthly payment allowed in the Deferred Payment
(“Revolving”) option, by simply calling 900 811 311, via the website
www.bankinterconsumerfinance.com or through any other channel made
available to customers, up to five (5) calendar days before the end of the
current month.

For the purposes of making the initial payment option choice, as well as
subsequent decisions to change the payment method, the Holder is informed that
the Deferred Payment (“Revolving”) option and its conditions may result in the
repayment of the disbursed amount being extended over a longer period due to
the lower proportion of the instalment dedicated to this repayment, which could
lead to an increase in the final debt burden.

(ii) Special payment options: In addition, as long as they are enabled on the
Credit Card, you can defer specific transactions under one of the following special
payment options:

• Instalment Payment (Transaction Financing): With this option, the Holder
  chooses to defer the payment of a specific transaction (or the sum of
  several) by means of fixed instalments, deciding: (i) the amount they wish to
  pay each month or (ii) the number of months they want to defer the
  transaction; the chosen and/or resulting instalment cannot be less than
  €30.05. The minimum amount to be deferred will be €90.00 (or the
  minimum amount determined at any given time) and the deferment period
  must range between 3 to 36 months (or the options available at any given
  time), to which an initial capital grace period will be added from the date of
  deferment until the end of the month in which the deferment was made. In
  this payment option, the instalment amount for the initial period will be
  different from the rest of the monthly instalments, as it will only include the
  interest generated during that initial period. Likewise, the final instalment
  may be of a different amount to adjust the transaction. The payment of fees
  cannot be financed through this option.
• Deferred Payment in Shops: This payment option will only be enabled
  under the general "End of Month" payment option and will allow the Holder
  to defer, in those shops that offer the possibility of deferring the payment of
  purchases made from the shop's POS, a purchase of a minimum amount of
  €60.00 (or the minimum amount determined at any given time), over a
  period of 3, 6, 9 or 12 months (or the options available at any given time),by means of fixed monthly instalments, maintaining the general End of Month Payment option for the rest of the transactions.

NOMINAL INTEREST RATE (N.I.R.):
(i) In the general End of Month Payment option: without interest (0.00% A.P.R.).
The A.P.R. indicated has been calculated under a transaction made in shops.

(ii) In the general Deferred Payment (“Revolving”) option for Purchases: 20.55%
N.I.R. (22.60% A.P.R.). The A.P.R. indicated has been calculated under a
transaction made in shops. Representative example under the assumption that the
Agreement will remain in force throughout its term and the Parties will fulfil their
obligations under the agreed conditions and terms. For a transaction of €1,500.00,
made on the 1st of the month in the Deferred Payment (“Revolving”) option with a
repayment period of 4 years, to be repaid in 48 equal monthly instalments
calculated under a constant instalment amortisation system. With the application
of the fixed annual nominal interest rate: 20.55% (22.60% A.P.R.). In this case, the
total amount payable would amount to €2,212.04 (€1,500.00 of capital and
€712.04 of interest), through 47 monthly instalments of €46.09 (the first instalment
being made up of €20.40 of capital and €25.69 of interest) and a final instalment of
€45.81 (€45.04 of capital and €0.77 of interest). Total credit cost €712.04.

(iii) In the general Deferred Payment (“Revolving”) mode for Cash Advances at ATMs: 13.58% N.I.R. (16.91% A.P.R.). Representative example under the assumption that the Contract remains in force throughout its term and the Parties fulfil their obligations under the agreed conditions and deadlines. For a cash advance of €1,442.31, made on the 1st of the month, to be repaid over 48 months under the fixed instalment system, at a fixed annual nominal interest rate: 13.58%, with a commission for Cash Advances at ATMs of 4.00% on the amount advanced, min. €3.00 (16.91% A.P.R.) which is added to the principal amount. Under this assumption, the total amount payable would be €1,952.42 (€1,500.00 principal, including the €57.69 commission and €452.42 interest), through 47 monthly instalments of €40.67 (the first of these 47 instalments consisting of €23.69 principal and €16.98 interest) and a final instalment of €40.93 (€40.47 principal and €0.46 interest). Total cost of credit €510.11.

(iv) Under the special Instalment Payment option (Transaction Financing): 20.55%
N.I.R. (22.60% A.P.R.). The A.P.R. indicated may vary depending on the day of
the month of contracting. Representative examples based on the assumption that
the Agreement will remain in force throughout its term and the Parties will fulfil
their obligations under the agreed conditions and deadlines. For a withdrawal of
€1,500.00, made on the 1st of the month, to be repaid over 12 months under a
constant instalment system, with a fixed annual nominal interest rate of 20.55%
(22.60% A.P.R.). In this scenario, the total amount payable would be €1,684.18
(€1,500.00 of principal, €184.18 of interest), through an initial instalment of €25.69
consisting solely of interest, 10 monthly instalments of €150.77 (the first of these
10 instalments comprising €125.08 of principal and €25.69 of interest), and a final
instalment of €150.79 (€148.25 of principal and €2.54 of interest). Total credit cost:
€184.18.

(v) Under the special Deferred Payment option in Shops: 20.55% N.I.R. (22.60%
A.P.R.). The A.P.R. indicated may vary depending on the day of the month of
contracting. Representative example based on the assumption that the Agreement
will remain in force throughout its term and the Parties will fulfil their obligations
under the agreed conditions and deadlines. For a withdrawal of €5,000.00, made
on the 1st of the month, to be repaid over 12 months under a constant instalment
system and at a fixed annual nominal interest rate of 20.55% (22.60% A.P.R.). In
this scenario, the total amount payable would be €1,672.17 (€1,500.00 of principal
and €172.17 of interest), through 11 monthly instalments of €139.35 (the first of
these 11 instalments comprising €113.66 of principal and €25.69 of interest) and a
final instalment of €139.32 (€136.97 of principal and €2.35 of interest). Total credit
cost: €172.17.
You can find more information on the calculation of interest, the characteristics of the payment options, and the services associated with the Card in the General Terms and Conditions of the Contract, as well as in the European Standardised Information (E.S.I.) and other pre-contractual information (available in Spanish, Catalan, Basque, Galician, and Valencian).

ADDITIONAL BENEFITS: You will accumulate Miles in the Air Europa Suma
loyalty program with each of your purchases: a) under the deferred payment
("Revolving") option for purchases: 10 Miles for every euro spent on direct
purchases of Air Europa tickets and 2 Miles for every euro spent on other
purchases, and b) under the end-of-month payment option: 2 Miles for every euro
spent on direct purchases of Air Europa tickets, and 0.5 Miles for every euro spent
on other purchases. In cases where benefiting from these advantages requires the
Deferred Payment ("Revolving") option, it will be understood that this option exists
when the monthly payment does not exceed 40.00% of the amount used. These
conditions will only apply to purchases made in shops and will not extend to other
transactions, such as cash withdrawals, top-ups or acquisition of prepaid cards,
money transfers, payment of fees or taxes, purchase of crypto assets, transfers of
cash to current accounts, or any other transactions that do not involve the
acquisition of goods or services.

WELCOME OFFER: 3,000 Miles once you make the third purchase with your
card, regardless of the payment method.

1 Credit card issued by Bankinter Consumer Finance, E.F.C., S.A. (hereinafter
"BKCF"). Hybrid Payment Entity registered with the Bank of Spain under No. 8832,
with its registered office at Avda. de Bruselas 12, 28108 Alcobendas (Madrid), and
registered with the Madrid Mercantile Registry in Volume 22,729, Folio 181,
Section M-259543, with Tax ID A82650672. The safeguarding system chosen by
BKCF to protect the funds received from its clients or through another payment
service provider for the execution of payment operations is subject to the legally
established procedure, consisting of depositing them in a sight account and
separating them in an account opened at Bankinter, S.A.

Simulate the payment of the last instalment: We offer you a simulator to
calculate the end date of the last instalment.

Pre-contractual Information is available (version available in Spanish, Catalan,
Basque, Galician, and Valencian) as well as quarterly Information on commissions
and rates applied.
 

Any operations related to the Air Europa Suma Visa Card must be carried out
through the bankintercard customer service helpline at 900 811 311