Credit cards
You will obtain points which you can exchange for gifts just by using your Bancaja cards.
They include an insurance policy (1) which covers robbery or theft of cash withdrawn from automatic cash machines, (2) and the fraudulent use and forgery of cards starting from 150 €.
(1) Except for operations requiring input of the secret PIN number.
(2) Arranged with Caser.
Bancaja Compras
The Compras Card has many advantages and you can make use of them at no extra cost. You can have monthly credit to make your purchases and obtain cash. The differences compared to a traditional credit card are as follows:
- The Compras card enables you to choose the means of access to cash at a cash machine as if it were a debit card, i.e. you can take it from your account, or use it as a credit card.
- In shops it works as a credit card, with payment for purchases deferred until the first day of the following month.
More advantages you can benefit from by having the Compras Card:
- Direct payment in shops without carrying money.
- It includes a free Accident Insurance Policy up to 100,000 Euros.
- Access to cash in any cash machine in the world with the VISA emblem.
- Permanent confidentiality. Only you know your secret number and you can change it whenever you want at any Bancaja cash machine.
Bancaja Compras Oro
With the Compras Oro card, you can take advantage of a monthly credit to make your purchases in shops and have access to cash.
The differences compared to a traditional credit card are as follows:
*The Compras Oro card enables you to choose the means of access to cash at a cash machine as if it were a debit card, i.e. you can take it from your account, or use it as a credit card.
In shops it works as a credit card, with payment for purchases deferred until the first day of the following month.
Its advantages are:
It includes a free Accident Insurance Policy (1) up to 300,000 Euros and Travel Assistance (2) all around the world.
Direct payment in shops without carrying money.
Access to cash in any cash machine in the world with the VISA emblem.
Permanent confidentiality. Only you know your secret number and you can change it whenever you want at any Bancaja cash machine.
As well as these advantages, the Visa Oro card also enables you to obtain significant discounts on hotel reservations, vehicle rentals, economic journals, etc. See the "Exclusive Advantages" section at this website: www.servired.es.
For security reasons, you will have a daily limit of 1,000 Euros for cash withdrawals, and the overall limit for spending in shops will depend on the sum available on the card.
(1) Arranged with Aseval. (2) Compañía Europea de Seguros S.A.
Bancaja Free
The card for making purchases with deferred payment. With the Bancaja Visa Free card, you have capital available that you can use freely in all your purchases, paying a fixed monthly amount, whatever you spend. With this card, you will never have to ask for credit again. You will have access to funds without having to answer questions, go through formalities or having to come back with paperwork. Buy and pay at the same time, always knowing what you are going to have to pay each month.
Its advantages are:
- You can make purchases in instalments without waiting or formalities.
- You will pay the same however much you spend: each month you will pay a fixed amount depending on your card's credit limit.
- You can use it in thousands of shops and obtain cash from automatic cash machines all over the world.
- Includes a free Accident Insurance Policy (1) up to 100,000 Euros and Travel Assistance all around the world.
(1) Arranged with Aseval. (2) Arranged with Compañia Europea de Seguros S.A.
Debit cards
Bancaja On Line
A debit card giving you access to the money in your account 24 hours a day through automatic cash machines and allowing you to make purchases in shops.
The various amounts are immediately charged to your account.
It provides the following advantages:
- Direct payment in shops with no need to carry cash.
- Access to cash in any cash machine in the world with the VISA emblem.
- Check the balance and transactions of the account at Bancaja cash machines.
- Deposit of money and cheques in Bancaja cash machines.
- Payment of bills at some Bancaja cash machines.
- Permanent confidentiality. Only you know your secret number and you can change it whenever you want at any Bancaja cash machine.
Bancaja Visa Dorada Renfe
A debit card giving you access to the money in your account 24 hours a day through automatic cash machines and allowing you to make purchases in shops, as well as giving you discounts on train tickets (RENFE). The various amounts are immediately charged to your account.
It is designed for those over 60 years old and pensioners with a permanent invalidity and disabilities of over 65%.
Like a Bancaja Visa Electron card, it offers the following advantages:
- Direct payment in shops with no need to carry cash.
- Access to cash in any cash machine in the world with the VISA emblem.
- Check the balance and transactions of the account at Bancaja cash machines.
- Deposit of money and cheques in Bancaja cash machines.
- Payment of bills at some Bancaja cash machines.
- Permanent confidentiality. Only you know your secret number and you can change it whenever you want at any Bancaja cash machine.
- As a discount card, it offers you the opportunity to purchase tickets for any class on any Major Lines train. A 40% discount is applicable from Monday to Thursday. On Fridays, Saturdays and Sundays, the discount will be 25% for tickets that have not been purchased in advance and with a reservation.
- The daily limit for access to cash at cash machines is 1,000 Euros and 1,804 Euros is the total limit for access to cash plus purchases in shops.
Carnet Jove Bancaja
The Carnet Jove Bancaja card enables you to manage your Cuenta Joven Account easily, as it is a Bancaja Visa Electron card. For young people between 14 and 25 years old, this offers you the following advantages:
- Discounts at cinemas, theatres, concerts, exhibitions, shops, opticians, driving schools, academies, gymnasiums, restaurants, travel, transport,...
- You will receive the Euro<26 magazine from the Valencia Youth Institute.
- Free travel assistance covering:
- Medical expenses due to illness or accident (up to 2,100 Euros).
- Urgent dental costs (up to 30 Euros).
- Travel and accommodation costs of companion, in the event of hospitalisation.
- Repatriation of the sick, injured or deceased (unlimited).
- Private civil liability (up to 30,000 Euros).
- Help in the location and delivery of luggage.
- Urgent message service.
- You will have access to a special credit line:
- Registration loan
- Master's degree loan
- Consumer loan for young people
- 1st Business loan:
University Carjeta card
The Carjeta card - half CARnet (ID card), half tarJETA (bank card) includes all the functions of a university student card and those of a Bancaja Visa Electron Cash card. If you are a student at the University of Valencia, the Polytechnic University of Valencia or Jaume I University, you can use the Bancaja Carjeta.
- Academic functions: you can request certificates, pay academic fees, consult your file, and obtain information on activities, offers and the human resources service (PAS) through the Virtual Secretary's office of the University of Valencia and the virtual offices of the Polytechnic University of Valencia. The whole university world within your grasp!
- Financial functions: With your Carjeta card you can withdraw money at cash machines and make purchases in shops. You will also have the following advantages:
- Loans for your studies and projects.
- Catalogue of grants: Erasmus, the IDEAS Programme, end-of-course projects...
- Shows: offers with the Servientrada ticket service.
- Travel: Discounts and interest-free payment periods of up to three months...
- Insurance.- Free travel assistance covering:
- Medical expenses due to illness or accident (up to 2,100 Euros).
- Urgent dental costs (up to 30 Euros).
- Travel and accommodation costs of companion, in the event of hospitalisation.
- Repatriation of the sick, injured or deceased (unlimited).
- Private civil liability (up to 30,000 Euros).
- Help in the location and delivery of luggage.
- Urgent message service.
