Credit card

BBVA Aqua Máxima

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Card review

BBVA Aqua Máxima

4.4 8.8/10 DebitCue Score Verified Jun 20, 2026

Premium Aqua card with zero foreign fees and 10% back on subscriptions

Fee: €65 EUR/yr (≈ $70); Reduced to €35 with €800+ payroll or €300+ pension domiciliation
Purchase APR: 0% - 23.81%
Interest-free: 30 days
Foreign fee: None

Rewards

10% cashback on digital subscriptions (Netflix, Spotify, Disney+, Amazon Prime, PlayStation Plus, DAZN, Glovo Prime, HBO Max) — up to €100/year

Our verdict

What stands out, and where it falls short.

What we like

10% cashback on digital subscriptions (Netflix, Spotify, Disney+, Amazon…
No foreign transaction fees
Pay in installments

Worth weighing

€65 EUR/yr (≈ $70) card fee

Who It Is For

Whether the BBVA Aqua Máxima fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending
People who pay big purchases off over time

Skip it if you are

Light spenders who won't beat the €65 EUR/yr (≈ $70) fee

Rates and fees

As of June 20, 2026

All amounts shown in EUR.

Card fee: €65 EUR/yr (≈ $70)
Purchase APR: 0% - 23.81%
Interest-free period: 30 days
Foreign transaction fee: None
Revolving TIN/TAE: 21.76% TIN / 21.76% TAE
Installment TAE (12 months): 23.81%

Rewards and features

Rewards: 10% cashback on digital subscriptions (Netflix, Spotify, Disney+, Amazon Prime, PlayStation Plus, DAZN, Glovo Prime, HBO Max) — up to €100/year
Installments: 3 months interest-free; 4-6 months: commission fee; 7-36 months: 21.6% TIN
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Virtual sub-cards: 3 free Aqua virtual prepaid cards for online purchases

Benefits and perks

Extras that come bundled with the card.

Premium Travel Pack included — no foreign transaction or ATM fees abroad
10% cashback on subscriptions (Netflix, Spotify, Disney+, etc.) up to €100/year
ATM robbery insurance up to €600/incident, €1,200/year

Eligibility

What you need before you apply.

Minimum age: 18 years; requires payroll or pension domiciliation

BBVA Aqua Máxima: your questions answered

How much does the BBVA Aqua Máxima cost?

The BBVA Aqua Máxima costs €65 EUR/yr (≈ $70). Reduced to €35 with €800+ payroll or €300+ pension domiciliation.

What rewards does the BBVA Aqua Máxima earn?

The BBVA Aqua Máxima earns 10% cashback on digital subscriptions (Netflix, Spotify, Disney+, Amazon Prime, PlayStation Plus, DAZN, Glovo Prime, HBO Max) — up to €100/year.

Does the BBVA Aqua Máxima charge foreign transaction fees?

No - the BBVA Aqua Máxima has no foreign transaction fees, so it suits spending abroad.

Is there an interest-free period on the BBVA Aqua Máxima?

Yes - up to 30 days interest-free when you pay your balance in full by the due date.

What is the interest rate on the BBVA Aqua Máxima?

The BBVA Aqua Máxima has a purchase APR of 0% - 23.81%.

Can I pay in installments with the BBVA Aqua Máxima?

Yes - 3 months interest-free; 4-6 months: commission fee; 7-36 months: 21.6% TIN.

Is the BBVA Aqua Máxima a credit, debit or prepaid card?

The BBVA Aqua Máxima is a credit card issued by BBVA on the Visa network.

Does the BBVA Aqua Máxima support Apple Pay and Google Pay?

Yes - the BBVA Aqua Máxima works with both Apple Pay and Google Pay.