Visa Classic RENFE Card

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Multiple discounts on your train tickets

As well as the features of the Visa Classic credit card, this card is issued in conjunction with RENFE, allowing you to access discounts of up to 40% on train tickets.


  • Over 60s.
  • Pension holders over the age of 18, formally declared to be in a situation of total, absolute permanent physical or mental incapacity, or major disability.
  • People with a disability of 65% or over.


Mixed (debit/credit).


  • Maximum security for your purchases, thanks to EMV technology, maximum security for online purchases and the possibility of choosing a fixed amount or percentage for monthly repayments.
  • Cash withdrawals at ATMS around the world with the VISA logo (over 40,000 in Spain and more than 600,000 in the rest of the world).
  • Access to ATMs of and SERVIRED to view balances and transactions, transfers, top up phone cards etc.
  • Means of payment at commercial establishments around the world (over 90,000 in Spain and more than 20 million in the rest of the world).

Discounts applied by RENFE to train tickets bought using the card

  • High speed (AVE) - Long distance:
    • Monday, Tuesday, Wednesday and Thursday: 40% discount.
    • Friday, Saturday and Sunday, as well as tickets not bought or booked in advance: 25% discount.
  • Middle distance:
    • 40% any day of the week (for the over 60s and pension-holders in a situation of permanent incapacity)
  • Avant:
    • 25% from Monday to Friday
    • 40% on Saturday and Sunday
  • Local rail (Cercanías):
    • 40% any day of the week (for the over 60s and pension-holders in a situation of permanent incapacity)

Methods of payment:

  • Debit: automatically and immediately charged to the associated demand account.
  • Credit: full repayment at the end of the month, interest free. This involves adding together all the transactions carried out in a month as well as any repayments outstanding from previous months, and making the repayment established for your card:
    • Full balance: a single repayment clearing the full outstanding balance.
    • Repayment of a fixed percentage of the balance every month, leaving the remainder outstanding.
    • Repayment of a fixed amount every month, regardless of the outstanding balance.
  • With POSTPONED YOUR PURCHASE can select a specific purchase and choose how to pay it.

They also come with free Insurance:

Interest rates applicable to payments in instalments (not applicable in the CASH PAYMENT type):

  • On available balances: 1.45% monthly
  • For delayed payments: 2.08% monthly