CEPSA GOW MASTERCARD*

*Cepsa Gow card issued by WiZink Bank SAU.

¹If you decide to postpone the purchases you make with this revolving credit card, bear in mind that it carries a cost. 23.85% APR. 21.58% NIR. Based on a representative example of a Credit Line Limit of €1,500 granted, which has been borrowed in full from the first day of the contract and a fixed amount payment method with a regular instalment for 48 months, you would pay 47 monthly instalments of €46.92 and a final instalment of €46.75. This makes the total amount owed at the end of the period €2,251.99. Total cost of credit: €751.99. Amount of interest: €751.99. This example does not provide for any further borrowing from the credit line during this time, nor for any issues with payments.

If you decide to withdraw cash from a cash machine: 23.29% APR. 20.93% NIR. Based on a representative example of a Credit Line Limit of €1,500 granted, which has been borrowed in full from the first day of the contract and a fixed amount payment method with a regular instalment for 48 months, you would pay 47 monthly instalments of €46.39 and a final instalment of €46.54. This makes the total amount owed at the end of the period €2,231.87. The total cost of credit is €731.87, which includes €726.87 in interest and a €5.00 service fee. This example does not provide for any further borrowing from the credit line during this time, nor for any issues with payments. The French amortization system (constant regular instalments, including capital and interest) has been used to calculate the instalments..

If you decide to make a withdrawal by cash transfer: 23.29% APR. 20.93% NIR. Based on a representative example of a Credit Line Limit of €1,500 granted, which has been borrowed in full from the first day of the contract and a fixed amount payment method with a regular instalment for 48 months, you would pay 47 monthly instalments of €46.39 and a final instalment of €46.54. This makes the total amount owed at the end of the period €2,231.87. The total cost of credit is €731.87, which includes €726.87 in interest and a €5.00 service fee. This example does not provide for any further borrowing from the credit line during this time, nor for any issues with payments. The French amortization system (constant regular instalments, including capital and interest) has been used to calculate the instalments.

² The cardholder can earn an extra 3% credit at Cepsa Service Stations if their total spending outside of these stations reaches €400 or more in the same billing cycle when transactions are conducted at Cepsa Service Stations, regardless of where the purchases are made. These bonuses are collected as a credit balance. The maximum amount eligible for the associated discount is €75 per transaction, €150 per day, and €2,000 per year for purchases made within the CEPSA NETWORK. In this context, "annual periods" refer to calendar years. The discounts provided by the Cepsa Gow card from WiZink are applied through the accumulation of the credit earned by the cardholder. Cardholders can easily check their credit balance through the Cepsa Gow App, https://www.cepsa.es/es/particular/club-gow or by referring to their purchase receipts.

³ Cardholders will receive credit worth 1% of the total purchase made at retailer other than petrol stations (including tax) in three spending categories: Food, Travel and Restaurants. This bonus has an annual maximum of €2,000 of spending in these 3 sectors. This amount will be credited to the "Cepsa Gow" account on a monthly basis. For more information, please consult the WiZink Cepsa Gow Loyalty General Conditions at https://www.cepsa.es/es/particular/club-gow

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