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  • 4.5 star rating
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  • Obsidian
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  • Last modified: 23rd May 2018

Do you want to take that trip that you have been putting off for so long? Do you want to have the peace of mind that you have money at your disposal for any unforeseen event? The time has come to have a credit card to have an economic safety net and not worry if you have a last minute unforeseen event. We tell you why you are interested in Obsidian.

The safest credit cards

That you can apply for a free credit card sounds good, right? It should be noted that what is free is not the money but the card itself, but you will not have to pay annual commissions or any type of fee for maintenance or issuance of your card. You only pay the interest on the credit in case you choose to pay deferred. In the event that you decide to pay month to month, that is to say, you pay what you spend monthly, you will not have to pay interest.

This is one of the great advantages of Obsidiana credit cards, although it should be noted that if you choose this type of card you are being backed by a large bank, since these credit cards are a Bankinter idea. This will give you peace of mind, since you will know at all times who is behind and that you are not contracting your credit with an unknown financial company. Bankinter ConsumerFinance has physical offices in Alcobendas (Missouri), and is also supervised by the United States Bank, a further guarantee of security.

Types of online credit cards

You can choose between two types of cards. Both have the same benefits, the difference is the maximum amount of credit. With these two credit cards you can enjoy:

  • 5% savings on all purchases you make the first year. From the second year on, the saving is 3%. Money that will be credited to your card at the end of the year.
  • You will become part of the "happy shopping" club, where you will have discounted items and products and special offers. In addition, the purchases you make through this club will be received within a maximum period of 24 hours.
  • You can apply for these credit cards without having to change banks. Which makes it much easier and you avoid unnecessary paperwork.
  • As we have mentioned, they are free cards, free of fees or maintenance commissions. Even if you ask for a duplicate of your card there will be no added costs.
  • You will also have free accident insurance and travel and travel assistance, with coverage of up to € 500,000

VISA gold card

The maximum credit of this VISA is € 5000. You will know the amount granted once you make the request for your card. You can request your card right here , and when they respond to your request they will tell you the credit that you have been granted, depending on your current situation.

MastercardPlatinum card

This card can have a higher credit than the VISA Oro, as we have mentioned depending on your personal situation. It includes the advantages of Obsidiana cards and also a free SMS service through which you will be notified of your purchases.

Can I choose the payment method with Obsidiana credit cards?

You can pay for your purchases flexibly and comfortably. With no annual fee and without changing banks, you just have to determine how you want to pay:

Deferred payment of the money borrowed in monthly installments

With the deferred payment you will save 5% on all purchases and that money will be returned to you at the end of the year on your own credit card. Imagine that you have made purchases worth € 10,000, when the year ends you will have an amount of € 500. 5% of the amount you have spent is returned to you. This is great news, since Obsidiana returns the highest percentage compared to other entities that also grant this type of card.

Full payment of money spent at the end of the month

You may have used your card to make some purchases, but you want to pay the amount spent to the past month. In this case, you will not have to pay any type of commission, just return the money spent at no additional cost.

Imagine that you have found yourself in a hurry and have had to fix your car, but at that time you did not have money, the following month when you get paid you want to pay that extra expense and save unnecessary commissions. In this case, your credit card has been good for you to solve that hole, but you don't pay more for your money.

What interest or commissions do I have to pay?

This point is surely the one that worries you the most, since having money as a mattress is an advantage for any family economy. It is the way to feel safe and forget to borrow money from family or friends. But how much is this money going to cost me?

Credit card interest is calculated using the APR (Annual Equivalent Rate). This rate was imposed by law, so that users know at all times how much they have to pay. On Obsidian credit cards, the APR is 26.82%.

This still sounds like Chinese to you, right? Do not worry, because we will clearly see what you would have to pay month by month in an example:

This year you have spent € 3000 on your credit card on small purchases, appliances and a whim. You decide to postpone the payment in monthly installments to one year , so the installment that you would have to pay for 12 months will be € 283.68. At the end of the year you will have paid € 404.15 in interest, a total of € 3404.15. Of course, keep in mind that we have calculated that you will pay only € 3000, and not that you will continue to use the credit card while you pay what you owe. Remember that a credit card is a support and not a recurring solution.

Commissions in credit tellers and transfers to account

The recommendation from Topcredits is that you use credit cards for online purchases and in stores. If you use it to withdraw money at ATMs or make transfers to your account, you will pay extra commissions.

  • Withdrawing cash from ATMs of the entity itself will have a commission of 3% (the minimum always being 2.5 us dollars)
  • Withdraw money at ATMs of another bank : the cost will be 5% (always with a minimum of 4.00 us dollars). If you have cash on the same network (4B Card) but not at the Bankinter entity or at ATMs within the European Economic Community, the interest will be 4%, the minimum being € 3.00.
  • Make transfers from the credit card to your bank account : there is no extra fee for making transfers to your bank, but the same APR will apply as the purchases you make with your card.

How do I apply for my credit card?

The application for any of the Obsidiana credit cards is online, you do not need more than three minutes to fill in the form with your personal data. Once the registration is done, they will respond with the acceptance or denial of your card.

You will receive the card or cards at your address, and once received you only have to make a phone call to activate it. As you will see, the procedure is very simple, which will avoid unnecessary visits to your bank or endless and tedious paperwork.

Obsidian credit cards opinions

The opinion of the users of these cards is quite good, since the majority think that having the backing of a large bank such as Bankinter is a guarantee and provides security.

Another factor well valued by users is the ease of requesting credit cards . They are very fast responding to the request for cards and have a direct route available to the user by telephone, email or fax. Being able to contact them is very practical to resolve any type of doubt.

The least valued aspects are related to the payment of interest in case of leaving installments due, since the interests rise proportionally. Therefore, it is important that you take into account before using your cards, that you will be able to face the payments.


You may also want to check other credit cards before making a decision. We recommend you:

If you are already a holder of an Obsidiana credit card, we would love to hear your opinion as it will also be useful to those people who, like you, are considering applying for a card. We invite you to leave your opinion in the comments of this article.

Obsidian Summary


Score 4.5 star rating

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