Updated September 28, 2026 · DebitCue Editorial Team
BBVA Aqua Más vs Swedbank Mastercard
BBVA Aqua Más
Higher score in this comparison
Swedbank Mastercard
BBVA Aqua Más vs Swedbank Mastercard: the differences
| Compare | BBVA Aqua MásReviewSee alternativesSee alternatives | Swedbank MastercardReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | €0 | SEK 195 |
| Currency conversion fee | 3% | 1.65%Lower |
| Perks | Travel accident insurance up to 1.5 million euros on high value cards, 0% fees for currency exchange and cash withdrawals abroad on premium cards, Pack Viajes plans to raise the free foreign currency limit from 2.99 per month, 10% cash back on subscriptions (Netflix, Spotify) on the Aqua Maxima Card, Up to 40% discount on Renfe train tickets with the Renfe Dorada Card, 1 Avios point per 5 euros spent with the Iberia Classic Card, Contactless payments and mobile payment with BBVA Pay | Travel insurance with cancellation cover, delayed departure and delayed baggage cover, Purchase insurance: all risk, price guarantee and extended warranty, no deductible, Up to 55 days interest free credit on purchases, Free extra card (0 kr per year), Rental car excess reduction up to SEK 30,000, Optional payment protection (betalningsskydd) at extra cost, Balance transfer (saldooverforing) to an account |
| APR | Not confirmed | 13.55% |
| Rewards type | Not confirmed | None |
| Credit needed | Good | Not confirmed |
Same on both: Card kind (Credit).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Founded is lower at Swedbank Mastercard: 1820 vs 1857.
- BBVA Aqua Más is available in 4 more countries.
- Currency conversion fee is lower at Swedbank Mastercard: 1.65% vs 3%.
- Perks: only BBVA Aqua Más offers Travel accident insurance up to 1.5 million euros on high value cards, 0% fees for currency exchange and cash withdrawals abroad on premium cards, Pack Viajes plans to raise the free foreign currency limit from 2.99 per month.
- Perks: only Swedbank Mastercard offers Travel insurance with cancellation cover, delayed departure and delayed baggage cover, Purchase insurance: all risk, price guarantee and extended warranty, no deductible, Up to 55 days interest free credit on purchases.
- Support channels: only BBVA Aqua Más offers Email, Chat.
- Support channels: only Swedbank Mastercard offers Help centre.
Our verdict on each
BBVA Aqua Más
BBVA Aqua Más suits Spanish customers who want a credit card with no annual fee and solid perks. The €0 annual fee sits at the top of the annual fee ranking, but foreign currency conversion costs 3% on every purchase made abroad.
Swedbank Mastercard
Swedbank Mastercard suits Swedish card holders who want travel and purchase cover built into the card rather than points, and who can clear balances at 13.55%. The case for it rests on the insurance, purchase protection and the Mastercard network, and the annual fee of SEK 195 has to earn its place.
Score breakdown
| Area | BBVA Aqua Más | Swedbank Mastercard |
|---|---|---|
| Cost | 8.8Annual fee of €0 on a credit card, with foreign currency fees of 3% | 8.9HigherThe annual fee of SEK 195 sits above the credit field median, €0, and the upper quartile, €11.55. |
| Offer | 9.5Higher | 9.2 |
| Trust | 9.9 | 10.0Higher |
How they place
| Ranking | BBVA Aqua Más | Swedbank Mastercard |
|---|---|---|
| Credit cards | 83 of 1020 | 94 of 1020 |
Every fact side by side
| Fact | BBVA Aqua Más | Swedbank Mastercard |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Not confirmed | Travel |
| Legal entity | Banco Bilbao Vizcaya Argentaria S.A. | Swedbank AB (publ) |
| Headquarters | Spain | Sweden |
| Founded | 1857 | 1820Lower |
| Support channels | Email, Phone, Chat | Phone, Help centre |
Debit cards
| Fact | BBVA Aqua Más | Swedbank Mastercard |
|---|---|---|
| Monthly fee | Not confirmed | SEK 0 to SEK 195 |
| Free ATM withdrawals | Not confirmed | SEK 0 |
| Card network | Not confirmed | Mastercard |
Where each stands against the rest
| Fact | BBVA Aqua Más | Swedbank Mastercard | Median |
|---|---|---|---|
| APR | Not confirmed | 13.55%below the median | 19.39% |
| Currency conversion fee | 3%highest quarter | 1.65%above the median | 1% |
Median across 312 listed cards.
Pros and cons
BBVA Aqua Más
Pros
- No annual fee on the card, at €0
- Contactless and mobile payments work through BBVA Pay
- Support covers email, phone and chat
Cons
- Foreign currency conversion costs 3% on each transaction
- The cash back on subscriptions and the travel perks sit on other cards in the same range, not on this one
Swedbank Mastercard
Pros
- Travel insurance comes with the card, with cancellation cover, delayed departure and delayed baggage cover.
- Purchase protection adds all-risk cover, a price guarantee and an extended warranty with no deductible.
- Purchases get an interest-free credit window and a balance transfer option is available.
Cons
- An annual fee of SEK 195 is charged, where Varo Believe Secured Credit Card charges $0, Wise charges £0 and Chime Card (Secured Visa Credit Card) charges $0.
- There is no rewards scheme on the card, with the rewards type recorded as none.
- Cash withdrawals are not free, since the free ATM withdrawal allowance is SEK 0.
Who each suits
BBVA Aqua Más
Who it suits
- Customers in Spain who want a credit card with €0 annual fee
- People who pay by phone or in person with contactless and BBVA Pay
- Card users who want help by email, phone or chat
Who should look elsewhere
- Anyone spending abroad often, who would save more with Wise
- Customers wanting cash back on subscriptions, which sits on the Aqua Maxima card
Swedbank Mastercard
Who it suits
- People in Sweden who want travel insurance and purchase protection included on the card.
- Card holders who clear balances most months and are comfortable borrowing at 13.55%.
- Travellers who want cancellation and baggage cover without arranging a separate policy.
Who should look elsewhere
- Anyone put off by a yearly charge: Varo Believe Secured Credit Card sets its annual fee at $0 and Wise at £0.
- People who want to earn from spending, since the rewards type here is none.
- Card holders who rely on cash machines abroad, with the free withdrawal allowance at SEK 0.
Current offers
Swedbank Mastercard
Current offer
First period offer
0 kr annual fee the first year and free for Nyckelkund: 0 kr first year (ordinary price 195 kr/year)
New Betal- och kreditkort Mastercard; fee free while you are a Nyckelkund. Entercard Group AB is the credit provider and Swedbank the credit intermediary.
Source, checked September 26, 2026
Country by country
| Country | BBVA Aqua Más | Swedbank Mastercard |
|---|---|---|
| Germany | Yes | No |
| Italy | Yes | No |
| Mexico | Yes | No |
| Portugal | Yes | No |
| Spain | Yes | No |
| Sweden | No | Yes |
Questions about each
BBVA Aqua Más
Is there an annual fee on the BBVA Aqua Más card?+
No. The annual fee is €0, which puts the card at 1 of 301 brands on that measure. The card is a credit card, so a balance can be carried and repaid later rather than paid in full each month.
What does it cost to use the card abroad?+
Currency conversion costs 3% on a purchase made in another currency. That places the card at 147 of 181 brands, so customers who spend abroad often should weigh that cost before applying.
Swedbank Mastercard
How much does it cost to keep this card?+
The annual fee is SEK 195 and borrowing is priced at an APR of 13.55%. Foreign spending costs a currency conversion fee of 1.65%. A card used mainly for its insurance still has to earn back the annual fee each year, which is the number to test against how often you travel.
What is the cheapest way to borrow on this card?+
The APR is 13.55%. Purchases get an interest-free credit window, and a balance transfer option is listed, so an existing balance can be moved onto the card. Anyone planning to carry a balance should check the window covers the borrowing period, because the rest of the balance is charged at the APR.
Other options to compare
BBVA Aqua Más
Swedbank Mastercard