Earn points, enjoy unique experiences, and travel more with every purchase.

The BBVA Platinum Credit Card is synonymous with sophistication and benefits that keep up with your pace, offering much more than simple daily transactions.

It combines attractive rewards with exclusive perks, designed for those who value comfort, security, and experiences that make a difference in their routine.

Every detail was designed to provide convenience and benefits in travel, shopping, and services, raising the standard of your daily life.

Find out now how the BBVA Platinum Credit Card can transform your purchases and trips. Discover all the benefits and apply for yours today.

Get to Know the BBVA Platinum Credit Card: Premium Benefits, 24/7 Concierge, and BBVA Points

The BBVA Platinum Credit Card belongs to BBVA Mexico, one of the largest and most respected banks in Latin America, known for its stability and financial innovation.

With premium benefits, the card offers access to exclusive insurance, personalized service, and advantages for those seeking security and rewards on every purchase.

The 24/7 concierge is available to help with reservations, guidance, and personalized services, bringing more convenience and peace of mind to your daily life.

With an initial limit starting at $50,000 and BBVA Points accumulation, you can turn expenses into trips, products, and experiences.

Main Benefits of the BBVA Platinum Credit Card

The BBVA Platinum Credit Card offers much more than a payment method, bringing together exclusive perks that turn every purchase into unique opportunities.

With benefits like generous rewards and travel protection, this card stands out for those seeking convenience and unique experiences.

Rewards Program

The rewards program allows you to earn BBVA Points on all purchases, turning everyday expenses into trips, products, and experiences that truly make a difference.

With the BBVA Platinum Credit Card, every purchase earns points that never expire as long as your account remains active, ensuring ongoing benefits.

Points can be redeemed easily via the BBVA app or website, giving you flexibility to choose from a wide range of redemption options.

This freedom makes the program attractive, letting you decide how to enjoy your points, whether for leisure, gifts, travel, or discounts at partner stores.

Travel Benefits

The card offers 24/7 concierge assistance to help with reservations, recommendations, and unexpected situations, ensuring comfort and support during any journey.

Travel insurance covers everything from international medical coverage to trip cancellation protection, offering peace of mind in unexpected situations.

Baggage protection covers delays and loss, minimizing inconvenience and offering financial compensation so you can keep enjoying your trip without worries.

In addition, access to Visa Platinum benefits provides unique experiences in hotels, transportation, and events, making each trip even more special.

Purchase Protection and Warranties

Purchases made with the card are covered by insurance against theft and accidental damage, protecting your belongings and ensuring greater security with every transaction.

The extended warranty benefit doubles or prolongs the manufacturer’s coverage, increasing product lifespan and boosting confidence in items purchased with the card.

Price protection reimburses the difference if you find the same product at a lower price within a set period after your purchase.

These features offer peace of mind and ensure every purchase is a safe investment, regardless of the item’s value or category.

Security and Technology

The BBVA Platinum Credit Card has a design with no visible data, enhancing fraud protection and allowing information access only through the official app.

Contactless payments make transactions fast and secure, enabling small purchases without a PIN and speeding up your daily routine.

The BBVA app allows instant blocking and unblocking of the card, real-time notifications, and full control over spending and available limits.

This combination of technology and advanced security provides a modern, reliable experience, ensuring you use the card with confidence anywhere.

Eligibility Requirements for Applying for the BBVA Platinum Credit Card

To access all benefits, you must meet certain criteria set by BBVA for Platinum card approval.

• Minimum age: at least 18 years old at the time of application
• Minimum income: monthly earnings of at least $50,000
• Credit history: maintain a good score and have no active restrictions
• Documentation: provide valid proof of identity, income, and residence

Meeting these requirements increases your chances of approval and ensures you get the most out of the BBVA Platinum Credit Card.

Step-by-Step Guide to Apply for the BBVA Platinum Credit Card

Applying for the BBVA Platinum Credit Card is simple, but you need to follow each step carefully to complete it correctly.

• Gather documentation: ID, tax number, proof of income, and proof of address
• Check the requirements: minimum monthly income of $50,000 and good credit history
• Apply with BBVA: submit your request through the website, app, or in person at a branch
• Wait for analysis: the bank will review your information and notify you of approval or request additional documents

Following these steps increases your chances of approval and helps you start enjoying all the benefits of the BBVA Platinum Credit Card quickly.

Applicable Fees for the BBVA Platinum Credit Card

The BBVA Platinum Credit Card offers exclusive benefits, but it is important to know the applicable fees to make the most of it and avoid unnecessary costs.

Understanding each fee helps you better plan card usage, ensuring the advantages outweigh the charges and maintaining a positive financial experience.

Annual Fee

The annual fee for the BBVA Platinum Credit Card is charged yearly to maintain the premium benefits and services associated with the card.

Currently, this fee is around $2,579 + VAT, charged automatically and generally divided into monthly installments on the cardholder’s statement.

For example, if the fee is split, you will see a monthly charge added to your purchases, keeping access to exclusive services.

Some banks offer partial or full waivers if the client reaches a certain yearly spending threshold, encouraging frequent card use.

Card Replacement

A replacement fee is charged when the card is lost, stolen, or damaged, and the holder requests a new one to continue using the services.

For the BBVA Platinum, this fee is approximately $192 + VAT, applied for each physical replacement request.

If the card is lost during a trip, the holder can request emergency delivery, which may incur additional costs depending on the location.

This charge does not apply to automatic replacements, such as renewals when the original card expires.

Late Payment Fee

The late payment fee applies when the minimum or full payment is not made by the due date listed on the monthly statement.

For the BBVA Platinum, this penalty is around $447 + VAT, added to the following statement after the delay is recorded.

For example, if the due date is the 10th and payment is made on the 12th, the fee will appear in the next cycle.

In addition to the fee, late payments generate interest on the outstanding balance, increasing the total debt cost.

Cash Advance

A cash advance uses your credit limit to provide cash, but with higher fees and charges than regular purchases.

For the BBVA Platinum, the cost is about 4.5% of the withdrawn amount + VAT, calculated at the time of the transaction.

For example, withdrawing $5,000 may result in a $225 + VAT fee, plus applicable revolving interest.

This option should be used only in emergencies, as the effective cost is significantly higher than other credit options.

Installments

The installment feature lets you split specific purchases or the total balance into multiple payments, making it easier to pay but adding costs depending on the term.

For the BBVA Platinum, 3-month plans have a fee of about 3% and 6-month plans about 4.5%, both plus VAT.

For example, a $10,000 purchase split into 3 months will have an extra $300 + VAT cost added to the original amount.

It is important to compare these rates with other credit options before choosing installment payments through the card.

Annual Interest Rate

The annual interest rate is the cost of credit when the full statement balance is not paid by the due date.

For the BBVA Platinum, this rate is about 39.65% per year, calculated on the outstanding balance after the due date.

For example, leaving $10,000 unpaid for a year will result in about $3,965 in interest, not including other charges.

Avoid carrying a balance from month to month to prevent these costs from adding up.

Total Annual Cost (CAT)

The Total Annual Cost (CAT) shows the real cost of the card, including interest, annual fees, and other charges, expressed as an annual percentage.

For the BBVA Platinum, the CAT is around 51.4% per year without VAT, serving as a comparison indicator with other credit products.

For example, a higher CAT means that, considering all costs, long-term use of the credit may be more expensive for the consumer.

Understanding the CAT for the BBVA Platinum Credit Card helps you assess if the benefits outweigh the investment and plan strategic card usage.

Conclusion

The BBVA Platinum Credit Card combines exclusive benefits, advanced security, and a generous rewards program, perfect for those seeking sophistication and convenience.

With its travel insurance, purchase protection, and 24/7 concierge service, it turns every transaction into a safer, more rewarding experience.

Knowing the fees and how they apply is essential to enjoy all the benefits while maintaining financial control and avoiding extra costs.

Like what you read? Want to explore another interesting option on the market? Check out the next article and learn all about the Stori Card Credit Card!