Bank cards that are free and save on your purchases

Leisure, culture, restaurants, travel, outdoor sports, fashion … Several entities in Spain offer discounts when spending with your credit or debit cards in shops or experiences of all kinds of sectors. “The programs of discounts or return of a percentage of purchases are a widely used claim in banking to attract new customers, so it is not difficult to find cards with this type of offers,” they explain from the financial comparator

Each bank sets its own rules to offer this benefit. From the comparator, they detail the advantages offered by some of the entities that allow you to save when paying with a card such as ING, N26, WiZink, BBVA and Openbank.


ING cards

Shopping Naranja, ING’s discount program, offers deals on 12 brands: Vips (5%), Easy Jet (3%), Women’secret (10%), among others. In addition, it is a good option for drivers, as it offers discounts at Galp (3%) and Shell (3%) gas stations. When spending with ING cards (both credit and debit cards), the customer gets a discount or a refund on the amount spent.

As the comparator points out, to get the cards and access the discounts offered by the orange bank, it is necessary to open the ING Payroll Account and domicile monthly income from payroll, pension or unemployment benefit of any amount. If it is not possible for the client to meet this requirement, it is also valid to transfer at least 700 euros each month from another bank to the Payroll Account. The account and its cards are free if this single condition is met.

Passersby on a shopping trip

Xavier Cervera


N26 cards

Discounts for paying with N26 cards, the 100% digital entity without commissions of German origin with more than 600,000 clients in Spain, vary from month to month. Right now, the bank offers discounts and promotions on brands such as Blablacar (up to 20%), Booking (10%), (15%), Westwing (20%) or Dropbox (+200 additional GB).

All N26 customers have access to discounts on their cards. To register, you only have to contract the Account N26 through the Internet or your app. The bank will issue a free virtual debit card once the customer has registered and has an active account. If you prefer the physical version of the card, it will be necessary to make a single payment of 10 euros to receive it at home.

More alternatives

WiZink Me Card

WiZink is another of the entities that offer discounts when paying with their credit cards, specifically, with one of them: the WiZink Me card. The bank returns 3% on purchases made in stores in the two categories that the customer chooses from among the four available: fashion (Zara, Primark…), leisure (JustEat, McDonalds…), travel (Vueling, RyanAir…) or food (Mercadona, Carrefour…). In addition, WiZink is one of the few entities that offers discounts in a large list of food establishments.

In total, you can get up to 6 euros per month of return, a total of 72 euros gross per year. On the other hand, to get the discount, both credit purchases and purchases made by paying at the end of the month without interest will be valid.

FILE - In this Feb. 20, 2019, file photo, credit cards are displayed in Zelienople, Pa. U.S. consumer borrowing rose in June after three months of declines but the key category of credit card debt extended its decline. (AP Photo/Keith Srakocic, File)

Multi-entity cards

Keith Srakocic / AP

To contract this WiZink fee-free credit card, the customer just has to fill out the registration form (no need to open a new checking account). Once the card is approved, it will take a few days for it to arrive at your address, explains


BBVA student card

The clients of the BBVA Youth Online Account They also have discounts, which include the ISIC Student Card, which the bank offers free of charge during the first year if the account holder requests it.

This card offers multiple discounts, which change from time to time. Now, the most popular are 50% on Spotify, 40% on Samsung, 10% on Apple, 20% on Renfe or offers on Cabify, KFC or Burger King, among others.

When you open the BBVA youth account, which is totally free and with no requirements for those under 31 years of age, it is possible to request the free card for one year. Afterwards, it will have a renewal cost of 7 euros per year.


Tarjetas de Openbank

Openbank offers its Open Discounts program. Any of your customers can save by spending with their cards, both by paying for purchases with credit and debit cards in a set of selected brands. Among the offers of this discount program, the comparator highlights Booking (10%), Iberia (5%), Starbucks (5%), Women’secret (15%) or Vips (5%).

And what do you have to do to get them? Just open one of your free accounts. For example, the Open Current Account, which does not have any requirements and does not generate any cost. Upon signing up for the account, the customer will receive a debit card without commissions year after year after a few days.

How to take advantage of these discounts?

It depends on the entity. In some cases, as with WiZink, all you have to do is pay with the card at one of the establishments participating in the promotion to enjoy the discount, be it a physical store or online. In other entities, it is sometimes necessary, in addition to paying with your cards, to access the websites of online businesses through a link provided by the entity in the event that the discount only applies if the purchase is virtual or either enter a discount code before finalizing the purchase.

Leave a Comment

This site uses Akismet to reduce spam. Learn how your comment data is processed.