Cards

Bankinter Platinum or Bankinter Premier card: which is best?

Choosing between the Bankinter Platinum and Bankinter Premier cards is a task that requires analysis of essential points. Check out its advantages, such as insurance and payment flexibility, and choose wisely!

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Discover the best card for you

Logo Bankinter
Discover the best card for you. Source: Bankinter Youtube.

The Bankinter Platinum and Bankinter Premier cards are among the bank's cards that attract the most attention from the public. So, check out which one to choose from these alternatives!

Having a credit card today is essential. After all, with it you can make online and in-person purchases. Furthermore, it is possible to guarantee greater security by avoiding circulation with cash. Not to mention the adjacent perks that often accompany these cards.

And, know: with Bankinter Platinum and Bankinter Premier it is no different. Both bring special advantages that go beyond payment convenience. However, each one bets on specific benefits.

Therefore, knowing which one is best for you depends on two things: knowing each card in detail, with its advantages and disadvantages; equally, know what you are looking for and prioritize when taking out a credit card.

Below, then, check out all these details about both cards. At the end of the text, check which one to choose!

Logo Bankinter

How do I apply for the Bankinter Premier card?

Find out how to request and activate the Bankinter Premier card. With a Visa International flag, it could be a great deal for you!

Cartão Bankinter Platinum fundo verde

How to apply for the Bankinter Platinum credit card

The Bankinter Platinum credit card is an excellent option for those looking for benefits when using credit, it has international coverage, as well as other advantages. See how to request!

Bankinter PlatinumBankinter Premier 
Annuity60€ 15€
Do you accept denial?UninformedUninformed
FlagVisaVisa
RoofInternationalInternational
BenefitsOnline request; Contactless technology; Benefits associated with the flag; Interest-free credit for up to 50 days; Personal accident insurance; Travel assistance insurance; Insurance against card theft, loss or forgery.Travel and Personal Accident Insurance; Contactless technology; Flexibility in paying the invoice (between 3% and 100% of the value); Exemption from the €0.50 fee when refueling at gas stations; Daily purchases and payments; Online membership. 

Bankinter Premier Card 

cartão de crédito Bankinter Premier
See more about the card. Source: Bankinter.

First, let's look at the Bankinter Premier credit card. In general, it is quite simple, despite offering several advantages. With the Visa International flag, it is accepted in more than 19 million establishments around the world.

The card is a product that results from obtaining a Bankinter current account. Therefore, it is exclusive to Bankinter customers, for whom it offers, in addition to financial facilities, insurance and other types of additional products.

Bankinter Platinum Card

Cartão Bankinter Platinum fundo verde
Discover the characteristics of the card. Source: Bankinter.

Like the Bankinter Premier card, the Bankinter Platinum card is also a product of a current account at the financial institution. Another coincidence in relation to the previous option is the presence of the Visa brand. 

Therefore, the Platinum card has a debit and credit function. Thus, it allows the movement of money in the current account; Likewise, purchases for payment when the invoice is due in the future.

It differs from the Premier card especially by offering a greater amount of insurance to its customers. For the rest, it has basically the same benefits, as we will see in detail in the items that follow. Check out!

Bankinter Premier Card Advantages 

First, check out the main advantages of the Bankinter Premier credit card and then compare it to the Platinum option and make the best choice:

  • Online membership;
  • International Visa Flag;
  • Debit and credit card;
  • Current account;
  • Flexibility in paying the invoice (between 3% and 100% of the value); 
  • Exemption from the €0.50 fee when refueling at gas stations; 
  • Travel and Personal Accident Insurance; 
  • Contactless technology.

The minimum invoice payment, however, is not free; it must be at least 7.5 Euros. Furthermore, it is worth remembering that the option of paying less than what is actually due on the invoice imposes interest.

Bankinter Platinum Card Advantages

Choosing between Bankinter Platinum and Bankinter Premier is only possible when we know the details of both alternatives. Therefore, given the benefits of the Premier, the time has come for the Platinum card to shine.

So, see what are the main benefits that this option offers its customers:

  • Online request; 
  • Contactless technology; 
  • Benefits associated with the flag; 
  • Interest-free credit for up to 50 days; 
  • Payment flexibility;
  • Personal accident insurance; 
  • Travel assistance insurance; 
  • Insurance against card theft, loss or forgery.

Payment flexibility once again encounters limits. After all, just as was the case with the Bankinter Premier card, the Platinum, you can also choose it as long as the minimum amount paid is 7.5 Euros. Again, of course, there is interest on this payment.

Disadvantages Bankinter Premier Card 

It is impossible to make a good choice based solely on the advantageous points of each card. Therefore, choosing between the Bankinter Platinum and Bankinter Premier cards also requires knowing the disadvantages of each of them.

Let's start, therefore, with the Premier card. Its main negative points are the following details:

  • No points or cashback program;
  • Available exclusively to those residing in Portugal;
  • Obtaining the card requires opening a current account at Bankinter;
  • An annual fee is charged without the possibility of obtaining discounts.

Disadvantages Bankinter Platinum Card

Continuing our analysis of the Bankinter Platinum and Bankinter Premier card to choose between them, we must see the negative points of the Platinum. We anticipate that they are the same as the previous card. In other words, they are the following:

  • Annual fee charged, with no possibility of waiving it or obtaining discounts;
  • No points or cashback program;
  • Available only to those who reside in Portugal and have a Bankinter account.

Bankinter Platinum or Bankinter Premier card: which one to choose?

Given all this information, it can still be difficult to choose between these options. After all, both have good advantages. Furthermore, they have the same negative points. Therefore, what differentiates them is that one has greater insurance concessions, but also charges a higher annual fee.

Therefore, it is necessary to check what stands out most to you and what your priorities are. Also, don't forget to find out about other options, such as Além BBVA Gold, details of which you can find in the link below!

BBVA logotipo fundo azul com feixes de luz

How do I apply for the BBVA Gold After card?

Discover how to apply for and activate the BBVA Gold After credit card. So, see how to use a credit option that offers several advantages to your customers!

About the author  /  Aline Augusto

My name is Aline Mesquita, I'm a writer here on the blog, where I write about finance in general, as well as other topics. I have been working with content creation for 10 years, with a postgraduate degree in Project Management, with expertise in SEO practices, in addition to studying finance, market trends and cryptocurrencies.

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